​While coaching is typically considered a wellness or personal development service, some insurance companies may reimburse part or all of your coaching fees when paired with a Letter of Medical Necessity (LMN) from a qualified healthcare provider. This allows coaching to be covered through HSA (Health Savings Account), FSA (Flexible Spending Account), or traditional insurance reimbursement.
What’s a Letter of Medical Necessity (LMN)?
A Letter of Medical Necessity is a note from your licensed healthcare provider (such as a doctor, psychologist, or psychiatrist) stating that coaching is a supportive part of your care. It usually includes:
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Your provider’s recommendation for coaching
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The mental/emotional/physical health reason(s) for it
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How coaching supports your overall health plan
Once submitted, this letter can allow insurance or HSA/FSA accounts to reimburse coaching sessions as a qualifying health-related expense.
How to Use Insurance or HSA/FSA for Coaching
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Check with Your Insurance Provider
Call the number on your insurance card and ask:
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“Do you cover coaching services if I have a Letter of Medical Necessity?”
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“Can I use my HSA/FSA funds for coaching with a Letter of Medical Necessity?”
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Obtain a Letter of Medical Necessity
Reach out to your healthcare provider and request a brief note recommending coaching as part of your treatment or wellness plan. I can provide a sample template if needed.
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Pay for Sessions as Usual
Coaching fees will be paid out-of-pocket up front. You can then submit receipts to your insurance or HSA/FSA provider for reimbursement if approved.
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Submit Documentation
Provide the LMN, your coaching invoices, and any forms your insurance provider requires. Reimbursement times vary.
Notes for Your Provider:
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Ask your provider to place this on their letterhead if possible.
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Some plans may require the provider’s license number or National Provider Identifier (NPI).
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You can offer this letter as a Word or Google Doc so they can easily edit.
Please Note:
I am not a licensed therapist or medical provider, and insurance approval is not guaranteed. However, many clients have successfully used their HSA/FSA benefits or received partial reimbursements. Always confirm directly with your provider.