HSA/FSA Eligibility

If you’ve been diagnosed with any of these conditions, you can pay using your HSA/FSA card at checkout.

Mental Health

Improve motivation, consistency, and overall well-being with structured exercise.

• Stress

• Anxiety

• Depression

• ADHD

Sleep Disorders

Build routines and cardio that support deeper, more consistent sleep.

• Insomnia

• Sleep apnea

Weight & Metabolic

Target fat loss and insulin sensitivity with progressive training.

• Obesity

• Insulin resistance

• Metabolic syndrome

• Type 2 diabetes

Thyroid & Hormone

Energy-friendly programming that supports hormone-related symptoms.

• Thyroid disorder

• Polycystic Ovary Syndrome (PCOS)

Pregnancy & Postpartum

Safe movement plans to support a healthy pregnancy and recovery.

• Gestational diabetes

• Pregnancy-induced hypertension

Cardiovascular Health

Low-impact conditioning to improve circulation and reduce cardiovascular strain.

• Hypertension

• Heart failure

• Coronary artery disease

• Peripheral artery disease

Stroke Recovery

Supervised, goal-based training to restore strength and function.

• Stroke (recovery / secondary prevention)

Respiratory Health

Gradual endurance work to ease daily activity and shortness of breath.

• Asthma

• COPD

Back, Joints & Bone

Strength and mobility work to reduce pain and improve movement quality.

• Low back pain

• Osteoarthritis

• Osteoporosis

• Postural & balance issues

• Sarcopenia

Joint & Chronic Pain Relief

Gentle strength progressions tailored to flare-ups and joint comfort.

• Rheumatic disease

• Rheumatoid arthritis

• Fibromyalgia

• Chronic headache disorder

Cognitive & Neuro Support

Structured exercise to support cognition, balance, and daily independence.

• Cognitive decline

• Alzheimer’s

• Parkinson’s

• Multiple sclerosis

Digestive & Gut Health

Core strength and stress-aware training to support GI comfort.

• Irritable bowel syndrome (IBS)

• Inflammatory bowel disease (IBD)

• Constipation

Recovery & Lifestyle

Accountability and routine while rebuilding healthy habits.

• Addiction recovery

How it works

2. Confirm elgiblity

3. Enter your HSA/FSA card

1. Select "pay with HSA/FSA"

You can choose this option at checkout

Complete a quick 1-minute eligibility form.

Complete the payment like a normal card purchase

Before Atlas

🔎 Find eligible trainers

🩺 Schedule doctors appointment

🧾 Request LMN (often denied)

📨 File for reimbursement

With Atlas

⚡️Check eligibility in 30 seconds

✏️ Fill out a 1-minute form

✅ Get approved to pay with your HSA/FSA

Frequently asked Questions

With Atlas, you don’t need to see your doctor. After a quick 1-minute form, our Telehealth doctors issue your Letter of Medical Necessity within 24 hours so you can pay upfront with your HSA or FSA card and start training right away.

What if I don’t get approved?

How do I check if I qualify?

If you have a condition that is listed above then you qualify to use your HSA/FSA card at checkout

What if my plan doesn’t mention personal training?

That’s common. Most HSA and FSA plans don’t list “personal training” directly, but all HSA and FSA providers can be used with Atlas for qualifying conditions listed above under fitness, rehabilitation, or weight management services.

Can I use my HSA/FSA for virtual training?

Absolutely, Both online and in-person personal training qualifies for HSA/FSA

Do I need to submit receipts to my provider?

Not at all, You can pay upfront with your HSA or FSA card just like any regular debit card — no waiting for reimbursements or dealing with receipts.

Is my information secure?

Yes. All Atlas eligibility checks, payments, and health information are fully encrypted and HIPAA-compliant. Your data stays 100% private.

What is an HSA/FSA?

HSAs and FSAs are pre-tax accounts your clients can use to save money on health-related expenses. HSAs roll over and stay with the client long-term, while FSAs are employer-based and typically must be used within the year. For Atlas, this you can use these accounts to pay for personal training.