50 Everyday Products You Can Make FSA/HSA Eligible with an LMN
Many health and wellness essentials are only eligible with a Letter of Medical Necessity (LMN). Here are 50 products that are often eligible—and how float makes it easier than ever to get one.
Sep 8, 2025
18 minute read
50 Everyday Products You Can Make FSA/HSA Eligible with an LMN
Most people know that FSA/HSA funds cover basics like bandages or prescription medications. But what's less known: dozens of everyday products—from supplements to fitness equipment—are also often eligible. The catch? They require a Letter of Medical Necessity (LMN), a short note from a licensed provider that states the product is being used to treat or prevent a specific medical condition.
Traditionally, getting an LMN meant booking an appointment, paying a copay, and waiting days (or weeks) for approval. That's a big reason why billions in FSA/HSA dollars expire unused each year.
Burst changes this. With getburst.com/request-lmn, in less than 5 minutes, you can request an LMN for any eligible product you want to buy and get turnaround in less than 24 hours – often free with our premium brand partners. That means more products in your life can shift from “out-of-pocket” to “tax-free,” saving you up to 40%.
Below we've compiled 50 common products that are often eligible with an LMN, organized into categories for clarity.
Supplements & Nutrition
Multivitamins – When prescribed to treat a specific deficiency or condition.
Prenatal vitamins – If not already covered under general eligibility, can be LMN-backed.
Vitamin D supplements – Common for bone health, immune support, or deficiency.
Omega-3/fish oil – For cardiovascular health and inflammation support.
Probiotics – When used for digestive disorders.
Protein powder – To treat protein malabsorption or support recovery.
Electrolyte mixes – For chronic dehydration or conditions like POTS.
Iron supplements – For diagnosed anemia.
Magnesium supplements – For migraines, sleep issues, or deficiencies.
Herbal supplements – E.g., turmeric or ashwagandha, if prescribed for a condition.
Women's Health
. Fertility monitors – For tracking cycles during fertility treatment.
. Breast pumps (high-tech versions) – Basic pumps are covered, but advanced ones often need an LMN.
. Menstrual pain relief devices – Such as TENS machines marketed for cramps.
. Specialized prenatal support pillows – For sleep and posture during pregnancy.
. Postpartum recovery garments – Belly binders or support wear.
Fitness & Rehabilitation
Foam rollers – For physical therapy or chronic pain recovery.
Resistance bands – When prescribed for rehabilitation exercises.
Free weights/dumbbells – If used in a rehab or physician-directed program.
Exercise bike – For cardiac rehab or joint recovery.
Treadmill – For physician-monitored weight loss or cardiac rehab.
Yoga mats – For physical therapy or chronic pain relief programs.
Balance boards – For vestibular or stability training.
Ankle/wrist weights – Prescribed as part of PT routines.
Therapy balls – For posture or core strengthening.
Stretch straps – For prescribed stretching programs.
Sleep & Stress Management
. Weighted blankets – For insomnia, anxiety, or sensory disorders.
. White noise machines – Prescribed for sleep disorders.
. Blue light blocking glasses – For sleep regulation or migraines.
. CPAP cleaning devices – Accessories for existing CPAP users.
. Sleep trackers – If recommended for diagnosing sleep patterns.
At-Home Diagnostics
. Food sensitivity tests – When prescribed by a provider.
. Genetic tests – If tied to actionable medical conditions.
. Allergy testing kits – For at-home monitoring.
. Continuous glucose monitors (CGMs) – Already covered for diabetes, LMN often needed for preventive use.
. Blood pressure monitors – Some versions often require LMN if not standard.
Pain Management
. Massage guns – For chronic muscle pain or injury recovery.
. Heating pads – For chronic conditions like arthritis.
. Cold therapy packs – For recurring injuries or recovery.
. TENS units – For pain relief beyond general eligibility.
. Ergonomic chairs – If prescribed for chronic back pain.
Specialty Categories
Air purifiers – For asthma or allergy sufferers.
Water filters – When medically necessary (e.g., compromised immune systems).
Standing desks – For back pain or posture issues.
Posture correctors – Prescribed for musculoskeletal disorders.
Compression boots – For circulation issues.
Orthotic inserts – If not standard coverage, LMN can expand eligibility.
Specialized footwear – For plantar fasciitis or other conditions.
Sun lamps/light therapy devices – For seasonal affective disorder.
Acupuncture mats/kits – When recommended by a provider.
Ergonomic keyboards/mice – For carpal tunnel or repetitive strain injury.
Why This Matters
When you add these categories together, the result is staggering: most households spend hundreds (if not thousands) of dollars annually on products that are often eligible with an LMN. Instead of paying out-of-pocket, those dollars could be spent pre-tax – cutting costs by up to 40%.
How Burst Helps
Expansive: Request an LMN for any eligible product you're buying online or in-store.
Fast turnaround: Under 24 hours for LMN requests.
Low cost: Cheaper than a doctor's visit (and often free with partner brands).
Seamless: Integrated at checkout with select brands, or anytime through getburst.com/request-lmn.
Trusted: float works with licensed healthcare providers and your third-party administrator (TPA) to ensure claims are approved.
Extended FAQ
What exactly is an LMN?
A Letter of Medical Necessity (LMN) is a short note written by a licensed medical professional (doctor, nurse practitioner, etc.) that explains why a product or service is needed to treat, prevent, or manage a medical condition. Without it, many wellness products aren't eligible for tax-free reimbursement.
Why do some products require an LMN?
The IRS maintains a list of products automatically eligible for FSA/HSA spending. For everything else, they require medical justification. Supplements, fitness equipment, and wellness products often fall into this gray area. An LMN bridges the gap by confirming the product is part of a treatment plan.
How do I get an LMN with Burst?
It's simple:
Visit getburst.com/request-lmn.
Share a link to the product/service you're requesting an LMN for.
Answer a few health-related questions about your condition and product/service use.
Burst routes your request to a licensed healthcare provider.
You'll receive your LMN in under 24 hours, which you can submit for reimbursement.
With premium brand partners, the LMN may even be free.
How long does an LMN last?
Typically, an LMN is valid for one year. Some products (like ongoing supplements) may require annual renewal, while others (like exercise equipment) may only need a one-time LMN. Burst notifies you when it's time to renew.
Are LMNs only for supplements?
Not at all. LMNs can cover a wide range of products, from fitness equipment to ergonomic furniture to at-home diagnostic kits. The 50 products listed above are just the start.
Can I use the same LMN for multiple purchases?
Yes, if the LMN is written for an ongoing condition. For example, an LMN for iron supplements can be used for repeated purchases throughout the year. Burst helps you track and manage valid LMNs so you don't have to repeat paperwork.
What happens if my claim is denied?
Burst works closely with healthcare providers and your TPA to reduce the risk of denial. In the rare case a claim is denied, Burst helps you update or resubmit with the right documentation.
Do products need FDA approval to be eligible with an LMN?
No. The key factor is medical necessity, as determined by your healthcare provider. FDA approval is not required.
How much can I actually save?
Depending on your tax bracket, using FSA/HSA funds saves 25–40% on eligible purchases. For a $500 treadmill purchased for rehab, that's $125–$200 in savings.
Can I request an LMN even if I don't buy through a Burst partner?
Yes. Any product eligible with an LMN can be covered when you request one through getburst.com/request-lmn. Burst LMNs work with any brand, not just partners.
Do I need to talk to my doctor first?
Not necessarily. Burst connects you with licensed providers who can evaluate your condition and write an LMN if medically appropriate. No in-person visit or scheduling required.
Can Burst help with subscriptions?
Yes. If you subscribe to a product (like protein powder or probiotics), your LMN can cover recurring purchases. Burst automatically keeps your documentation updated.
Can LMNs apply to family members?
Yes. If you cover dependents under your FSA/HSA, you can request LMNs for them too. For example, a child with iron deficiency could qualify for iron supplements with an LMN.
How does Burst compare to other LMN providers?
Traditional LMNs require a doctor's appointment, which can cost $35–$200 and take weeks. Burst delivers LMNs in under 24 hours, often free with brand partners, and integrates directly into the shopping experience.
Why don't more people know about this?
LMNs have historically been buried in IRS rules and TPA policies, creating friction and confusion. Burst's mission is to make them accessible and automatic, unlocking pre-tax healthcare spending for consumers.
The Bottom Line
With Burst, 50+ everyday products suddenly shift into the “covered” category. That means consumers save, brands grow, and FSA/HSA funds get put to work instead of expiring.
👉 Start today at getburst.com/request-lmn and see how much of your routine can become tax-free.
References
IRS Publication 502: Medical and Dental Expenses
IRS Publication 969: Health Savings Accounts and Other Tax-Favored Health Plans
FSA Store: Eligibility List
HSA Store: Eligibility Guidelines
Healthcare.gov: Flexible Spending Accounts overview
Society for Human Resource Management (SHRM): FSA/HSA spending rules and guidance