Cómo usar tu HSA/FSA para ahorrar en Crunch

How to use HSA at Crunch:

1. If you exercise to prevent or manage a medical condition, you may be able to use your HSA at Crunch to save 20-40% on your membership fees.
2. But gym memberships don’t automatically qualify as medical expenses you can pay for with HSA/FSA funds. To unlock these funds, you'll need a Letter of Medical Necessity from a licensed provider explaining that fitness is being used to treat or manage a specific medical condition.
3. With Dr. B, qualifying patients can get a Letter of Medical Necessity online with a $15 AI-powered consultation. Submit this letter and Crunch receipts to your HSA/FSA administrator to save on membership!

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Dr. B believes holistic healthcare shouldn’t break the bank. So we’re thrilled to help you use your HSA at Crunch Fitness, a “no-judgment” gym that helps members feel great while achieving their fitness goals.

Crunch memberships start at just $9.95 per month, with upgrades available for those seeking group fitness classes, at-home video workouts, personal training sessions and more. If exercise helps manage a medical condition, you may be able to save on your membership!

Here’s what to know about using Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) for gym memberships, and how Dr. B can help you unlock those savings with a $15 online consultation.

What are HSA and FSA accounts?

HSA and FSA accounts are “tax-advantaged” savings accounts for qualified medical expenses. Because you don’t pay income tax on funds withdrawn from those accounts, you save the amount you would have otherwise paid in taxes.

Think of it like this: If you earn $100s but pay around 20% of your income toward taxes, you only get to keep $80. But if you deposit that $100 into your HSA or FSA, you keep it all! That means you get 20 additional dollars to spend on your health!

If you don’t already have an HSA or FSA, learn more about how they work in this Dr. B article.

How can you use HSA for gym memberships?

HSA and FSA funds can be used only for qualified medical expenses.

Some items and services automatically qualify: think doctor copays, prescription medications, and over-the-counter drugs.

Most people don’t realize they can also use their HSA/FSA funds for other types of medical care: things like OTC pain relief tools, virus protection (masks, hand sanitizer, cold medicine, etc.), period products, and birth control.

For a more complete list of qualified medical expenses, check out this Dr. B article.

Items that can also be used for general health—like supplements, gym memberships, and massages—only qualify if a doctor confirms that you use them for medical purposes.

If you exercise to manage a medical condition, related exercise fees can become HSA/FSA eligible. That means you can use your tax-free funds for gym memberships, fitness classes, and personal training fees!

But to unlock HSA/FSA dollars for fitness, you’ll need a licensed provider to detail in a Letter of Medical Necessity (LMN) how exercise helps manage your condition.

With that letter, exercise becomes a qualified medical expense, and you can submit it with any new exercise receipts to your HSA/FSA administrator for reimbursement.

How to pay for Crunch with your HSA or FSA

Dr. B has officially partnered with Crunch Fitness to make getting a Letter of Medical Necessity online convenient and hassle-free.

Here’s how to get and use your letter at Crunch:

1. Take a consult: Take a $15 online consultation from your phone, computer, or tablet. This streamlined, AI-powered consultation asks guided questions about your health and fitness goals. 
2. Get your letter via email: A licensed provider will review your submitted information within 3 business hours. If you qualify, they’ll send your Letter of Medical Necessity and a few instructions straight to your inbox!
3. Pay for Crunch: The next time you pay for a Crunch membership or renewal, be sure to save your receipts!
4. Submit your documents: Go to your online HSA/FSA administrator and submit your Letter of Medical Necessity and Crunch receipts.
5. Get reimbursed! Your administrator will process your documents and transfer the receipt amount to your chosen account!
6. Crunch and repeat: You can use the same Letter of Medical Necessity for all purchases made within 12 months of the letter’s date. Submit the letter with individual receipts as you go, or file several receipts together to save time. 
7. Renew your letter: Dr. B will send an email when you’re due to repeat the process. With Dr. B, you only pay when you take a consultation—no membership fees or recurring fees, ever! We’re available in all 50 states and Washington, DC., with providers available daily to review fitness consultations!

If your HSA/FSA administrator denies your letter for any reason, start a chat with our Dr. B support team. Most denials happen because administrators request additional information. Our support team is here to make sure they get everything they need, so you can save!

How much can you save on Crunch fees with HSA/FSA? 

To calculate your HSA/FSA savings, you need to know your tax bracket. While you’ll most likely get the entire Crunch membership cost reimbursed from your HSA/FSA funds, how much you save depends on how much you would have otherwise spent on taxes.

For example, if you deposit $100 into your HSA/FSA and pay 15% of your income in taxes, you’ll save about $15—and have a full $100 to spend on Crunch membership fees! If you pay 20% in taxes, you’ll have $20 more to spend on fitness!

Using your pre-tax funds to pay for exercise can add up to huge savings—if you deposit the maximum yearly allowable amount, you could have a few hundred or even a thousand extra dollars to spend on Crunch membership and personal training fees!

To start saving today…

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