Letter of Medical Necessity for Oura Ring & Wearable Health Devices
Your Oura Ring and its membership can qualify for FSA or HSA reimbursement with a letter of medical necessity. Which conditions, what the letter says, and how Burst files the claim.
6 minute read
Wearable health devices like the Oura Ring, Whoop, and even the Apple Watch have become serious health monitoring tools: tracking sleep, heart rate variability, blood oxygen, body temperature, and activity levels. But are they FSA/HSA eligible? With an LMN, they absolutely can be.
If you already know you want an LMN, you can request one in about two minutes and skip the rest of this guide.
Get reimbursed for my Oura Ring →
Is the Oura Ring HSA or FSA eligible?
Not on the receipt alone. Oura Ring 4 costs about $350 and the membership about $6 a month, and to your plan both are consumer electronics until a licensed clinician connects them to a diagnosed condition in a letter of medical necessity. With the letter attached, the ring and the membership charges after the letter's date can qualify for reimbursement from your FSA, HSA or HRA. Oura does not take FSA or HSA cards at checkout; pay with any card and Burst files the claim.
What the letter says
It names you, your condition, and states that continuous sleep, heart rate, heart rate variability and temperature monitoring with a wearable is part of managing it. It carries the clinician's signature, license and date, and is usually valid for twelve months.
Which wearables can qualify
Wearable devices that can qualify for FSA/HSA reimbursement with an LMN include the Oura Ring (all generations), Whoop Strap, Apple Watch (when used for health monitoring), Fitbit and Garmin fitness trackers, continuous glucose monitors (CGMs) like Levels or Dexcom, and sleep tracking devices. The key is that the device must be recommended by a provider to monitor or manage a specific medical condition, not just for general curiosity about your health metrics.
Conditions that support a wearable letter
Common conditions that support an LMN for wearable devices include sleep disorders and insomnia, atrial fibrillation and heart arrhythmias, anxiety and stress disorders (HRV monitoring), diabetes and metabolic conditions, obesity and weight management, chronic fatigue, and post-surgical recovery monitoring.
How to get the letter
Request the letter first: about two minutes at Burst, $35 once, and a licensed clinician signs it if your wearable is part of managing a diagnosed condition, usually the same day. Then buy your Oura Ring, Whoop or other wearable from any retailer with any card, send Burst the receipt, and Burst files the reimbursement claim for you. The Oura membership is a recurring charge; once the letter exists, each monthly charge after its date can be claimed too. Already wearing the ring? The membership charges from the letter date forward still count.
Frequently asked questions
Can I claim the Oura membership if I already own the ring?
Yes. The letter covers charges from its date forward, so the monthly membership can be claimed even if the ring was bought earlier. The ring itself cannot be claimed if it predates the letter.
Does the letter work for Oura Ring 3 or a used ring?
Any generation fits; the letter is about the monitoring, not the model. A used ring needs an itemized, dated receipt to be claimed.
Will my HSA or FSA administrator accept it?
Yes. Administrators want a signed letter from a licensed clinician that names your condition and the item, and that is exactly what you get. Burst works with every FSA/HSA administrator, including HealthEquity, Fidelity, WEX, HSA Bank, Inspira, Optum and Further. If one pushes back, we write the appeal. If the claim is denied, you get your $35 back.
Do I need to see a doctor?
No. Answer a few questions online and a licensed clinician in the Burst network reviews them. No appointment, no copay, no waiting room.
What if I am not approved?
You pay nothing. No letter, no charge.
Who files the reimbursement claim?
We do, start to finish. Send us the receipt and Burst files the claim with your administrator; the money comes back to your bank account.
Get reimbursed for my Oura Ring →
Brands above are the ones people ask us about most. They are examples, not partners.
Keep going: Letter of Medical Necessity for Apple Watch, Letter of Medical Necessity for a Fitness Tracker (Whoop, Garmin, Fitbit), How to get a letter of medical necessity online.
If you are not sure whether your situation fits, hit reply on any Burst email or write to support@getburst.com. We read every one.
Thanks,
Shubhi
Co-Founder at Burst
Last updated: September 2026
This guide is not medical advice. Your eligibility depends on your specific situation and your plan administrator's interpretation of IRS rules. Burst's clinicians make eligibility decisions on a case-by-case basis.
More in
