Introduction

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.

Which Wearables Can Be Reimbursed?

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 Wearable LMNs

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 Burst Handles Wearable Reimbursement

Buy your Oura Ring, Whoop, or other wearable from any retailer using any payment method. Complete Burst’s health assessment. If a licensed provider determines your wearable is medically necessary for monitoring a diagnosed condition, Burst processes the reimbursement to your bank account. Many subscription costs (like the Oura Ring membership) can also qualify for ongoing monthly reimbursement.