Do You Have HSA or FSA?
Use your pre-tax dollars to pay for your SOMOS Yoga classes and/or Wellness Services!
Transform your whole-body health with SOMOS Yoga! Did you know that if you’re using yoga to prevent or manage a medical condition, you might be able to utilize your HSA or FSA funds to save on your classes and/or wellness services?
Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) let you save pre-tax dollars for eligible medical expenses. While fitness fees aren't automatically covered, they can become eligible if exercise is recommended to prevent or treat a specific health condition.
To qualify for reimbursement, you’ll need a Letter of Medical Necessity from a healthcare provider, which you can then submit to your HSA/FSA administrator. Get started today and make the most of your pre-tax savings at SOMOS Yoga!
“But what classes/services might be covered?”
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YOGA FOR:
Chronic Pain (e.g., back pain, arthritis): Yoga can improve flexibility, strength, and alignment, which helps reduce pain and stiffness.
Anxiety and Depression: The combination of movement, breathwork, and meditation helps reduce stress and boost mood.
Hypertension (High Blood Pressure): Regular yoga practice can lower blood pressure and improve cardiovascular health.
Diabetes and Obesity: Yoga aids in managing blood sugar levels, increasing physical activity, and supporting weight management.
Asthma or COPD: Breathwork techniques in yoga can help increase lung capacity and control breathing patterns.
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COLD PLUNGE FOR:
Inflammation and Muscle Soreness: Cold exposure reduces inflammation, speeds up muscle recovery, and helps alleviate soreness.
Chronic Fatigue Syndrome (CFS): Cold therapy can improve energy levels by stimulating the nervous system and enhancing overall circulation.
Anxiety and Depression: Cold plunges can activate the vagus nerve, promoting relaxation and stress reduction.
Autoimmune Conditions: Cold exposure can help modulate the immune system, potentially reducing flare-ups in conditions like rheumatoid arthritis.
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INFRARED SAUNA FOR:
Chronic Pain (e.g., fibromyalgia, joint pain): Infrared heat penetrates deeply, relieving pain and relaxing muscles.
Cardiovascular Health: Regular use can improve circulation, lower blood pressure, and enhance heart health.
Detoxification: Sweating helps eliminate toxins, potentially benefiting conditions like heavy metal toxicity.
Skin Conditions (e.g., eczema, psoriasis): Infrared saunas can improve circulation and reduce inflammation, aiding skin health.
Sleep Disorders: The relaxation effect of the heat can promote deeper and more restful sleep.
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SALT CAVE (HALOTHERAPY) FOR:
Respiratory Issues (e.g., asthma, bronchitis, COPD): Inhalation of salt particles can improve lung function, reduce mucus, and ease breathing.
Allergies: Salt therapy can alleviate symptoms by clearing airways and reducing inflammation.
Skin Conditions (e.g., eczema, psoriasis): Salt's anti-inflammatory properties can soothe and heal irritated skin.
Stress and Fatigue: The calming environment of the salt cave promotes relaxation and mental well-being.
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YOGA NIDRA MEDITATION:
Insomnia and Sleep Disorders: Yoga Nidra’s deep relaxation techniques can aid sleep quality and reduce sleep latency.
Anxiety and PTSD: This form of meditation helps calm the nervous system, reducing symptoms of stress and trauma.
Chronic Pain: Yoga Nidra can help shift the body into a relaxed state, reducing pain perception.
Burnout and Fatigue: It is highly effective for mental and physical rest, helping to counter the effects of chronic stress.
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SOUND BED THERAPY (OPUS) FOR:
Anxiety and Stress: Sound bed therapy uses vibrations and frequencies that activate the parasympathetic nervous system, promoting deep relaxation.
Depression: The soothing sound frequencies can elevate mood and reduce depressive symptoms.
Pain Relief (e.g., migraines, fibromyalgia): The vibrations can help reduce pain perception and alleviate headaches and muscle aches.
Neurological Conditions (e.g., Parkinson's, MS): Vibroacoustic therapy can enhance nervous system function and support relaxation for neurological disorders.
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PEMF FOR:
Boost energy levels
Improved sleep quality
Stimulates the body's natural healing processes
Supports systemic functions in the body
Far Infrared Therapy (FIR)
Manage pain and inflammation
Detoxify the body
Promote relaxation and stress relief
Reduction of joint pain associated with arthritis
Hot Stone Therapy
Relieve muscle tension
Relaxing at-home spa experience
Reduce levels of stress and anxiety
Improve circulation
Enhance sleep quality
Photon Light Therapy
Wavelength of 660 nanometers
Boost energy levels
Reduce inflammation
Enhance the experience of other therapies
Negative Ion Therapy
Stress Reduction and Relaxation
Clear your surroundings of harmful agents
Counteracts positive ion disturbances
Attracts harmful airborne particles and pulls them to the ground
Guide the body along a path of detoxification
Open Enrollment is Now!
Open Enrollment is Now!
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You are eligible if:
You have an active HSA or FSA account.
You are preventing or reversing health conditions like any of the above.
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A Letter of Medical Necessity is a statement written by a doctor or other licensed provider explaining why a patient requires a product or treatment (such as yoga, cold plunge, infrared sauna, salt cave, sound bed) for health reasons. In other words, it confirms specific items as medical services or medical equipment.
With this letter, patients can then pay for health-related specific services and items from their Health Savings or Flexible Spending accounts.
HSA and FSA accounts allow you to set aside pre-tax money you can use to pay for qualified medical expenses. But sometimes, these health care costs might not be automatically recognized as HSA or FSA-qualified expenses. In such cases, a Letter of Medical Necessity provides documentation explaining why that particular expense is medically necessary so that it meets the criteria for reimbursement under HSA or FSA guidelines.
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Your HSA or FSA account contains pre-tax funds. That means you won’t pay any income tax on the cash you deposit into the account or funds you draw from it to pay for medical expenses. Because you pay less money towards your income tax, you have more money to spend on your health.
How much you can deposit into your HSA or FSA every year is limited, though. For HSAs, single people can deposit as much as $4,150 and families can deposit $8,300. Both single and partnered employees can deposit a maximum of $3,200 into their FSA yearly. HSA funds rollover from one year to the next. Unused FSA funds get forfeited to the employer.
Depending on state and tax bracket, patients save around $1,000-$2,000 per year when they use HSA/FSA funds on health care expenses.
✺ Frequently asked questions ✺
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1. Get a Letter of Medical Necessity (LMN)
Ask your healthcare provider to provide a Letter of Medical Necessity. This document should state that fitness services (e.g., yoga, cold plunge, etc.) are necessary to treat or prevent a specific medical condition.
The letter should include:
Patient's name
Medical condition
Recommended treatment (e.g., fitness services)
Provider’s signature and contact information
2. Save Your Receipts
Collect and save your receipts for all fitness-related expenses you plan to submit.
Ensure the receipts clearly display:
Name of the fitness service or class
Date of purchase
Amount paid
Provider’s name (e.g., SOMOS Yoga)
3. Submit Your Claim
Log into your HSA/FSA administrator’s portal (or use their mobile app, if available).
Navigate to the “Submit a Claim” or “Reimbursement Request” section.
Complete the required fields, typically including:
Name and description of the service
Date and amount of the expense
Name of the provider
Reason for the claim (e.g., medical necessity)
Upload your receipts and the Letter of Medical Necessity as supporting documents.
4. Wait for Approval
After submission, your HSA/FSA administrator will review the claim and notify you if additional documentation is needed.
Once approved, you'll receive a reimbursement either directly to your bank account or as a credit back to your HSA/FSA account.
5. Follow Up if Necessary
If your claim is denied, check the reason for denial and provide any missing information or additional documentation as needed.
Resubmit if adjustments or clarifications are required.
Always check with your specific HSA/FSA provider for detailed instructions and requirements, as they may vary slightly between administrators.
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The reimbursement timeline for HSA/FSA administrators can vary, but here are some typical processing times:
1. Standard Reimbursement Timeline
Generally, it takes about 7 to 10 business days for HSA/FSA administrators to process and reimburse qualifying claims once all documentation is submitted.
This timeframe includes both the review and approval process.
2. Direct Deposit vs. Check
Direct Deposit: If you’ve set up direct deposit, reimbursement is usually faster and typically shows up in your bank account within a day or two after the claim is approved.
Check Reimbursement: If you’ve opted for reimbursement by check, this can add an additional 5 to 7 days for mailing, making the total process about 2 to 3 weeks.
3. Potential Delays
If your claim is missing documentation, improperly filled out, or requires further verification (e.g., a more detailed Letter of Medical Necessity), this can extend the process until the required information is provided.
High-volume periods (e.g., year-end or during tax season) can also lead to longer processing times.
4. Expedited Options
Some HSA/FSA administrators offer expedited processing or have mobile apps that allow for faster claim submissions and approvals, reducing overall processing time.
To speed up reimbursement, ensure your claim is complete, accurate, and includes all required supporting documents.
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A Letter of Medical Necessity (LMN) is typically valid for one year from the date it’s issued, though the specific duration may depend on:
HSA/FSA Administrator Policies: Some administrators may require a new LMN annually, while others might accept it for shorter periods (e.g., 6 months), especially if the medical condition is temporary.
The Nature of the Condition: If the condition is chronic or long-term, the LMN might be considered valid for a full year. For short-term conditions, the validity might be limited to a few months.
Healthcare Provider’s Recommendations: If your provider specifies a shorter duration, the LMN will be valid only for that timeframe.
To maintain eligibility, consider renewing the LMN annually or as required by your HSA/FSA administrator.