Yes, with a Letter of Medical Necessity (LMN) from the practitioner treating you. Here's how it works.

💧 The Short Answer

To use your Health Savings Account (HSA) or Flexible Spending Account (FSA) for a WaterBow, you need an LMN from your treating doctor, physical therapist or other practitioner. It has to be specific to your condition and say the WaterBow supports your treatment, rehab or recovery.

Without an LMN, exercise equipment counts as general fitness, and HSA and FSA funds aren't meant for general fitness. With one, the WaterBow can count as part of your care.

💧 How It Works Today

1. Talk to your doctor, physical therapist or the practitioner treating you. They decide whether the WaterBow is right for your condition. If it is, ask them for an LMN. Most HSA and FSA providers want it to name your condition, what the WaterBow is for, and how long you'll need it. The form below has everything they need.
2. Check with your HSA or FSA provider. Each plan sets its own rules, including whose LMNs it accepts. A quick call or a look at their website will tell you.
3. Buy your WaterBow on waterbow.us. Pay with your HSA or FSA card if your provider allows it, or pay as usual and claim it back.
4. Send your provider the LMN and your invoice from us. The invoice lists each item and its price, which is what plans usually ask for.

💧 Download the LMN Form

To make step 1 easy, we have prepared a Letter of Medical Necessity form. It has three pages: one for you, the form for your practitioner to fill in and sign, and a page that tells them about the WaterBow.

Download the LMN form (PDF, 3 pages)

Your practitioner can use the form as it is, or write their own letter on their letterhead using the same details.

💧 What Could I Save?

HSA and FSA money goes in before income tax, so paying with it saves you roughly what you would have paid in tax on that amount. Most people save around 20 to 30% of the price, and it can be up to 50%. The exact amount depends on your own tax situation.

💧 What We Can't Do

We can't write the LMN, and we can't tell you whether your plan will approve it. That decision belongs to your healthcare provider and your plan. We're working on making this simpler at checkout, and we'll update this page when we have news.

💧 Need Help With It?

If you need any help or support with your HSA or FSA claim, email us at support@waterbow.us.