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Utilizing Your FSA for Online Personal Training: A Comprehensive Guide to Flexible Spending Account

Updated: Jul 29, 2023

by Emma Mattison – NASM, CPT, CNC, and Functional Aging Specialist

mature adult fitness enthusiast considering FSA funding options for personal training sessions

In this era of digitization, online personal training has become a popular choice for many individuals who want to maintain their health and fitness while juggling busy lifestyles. But what many don't realize is that your Flexible Spending Account (FSA) may be able to cover the cost of these online personal training sessions. In this blog post, we’ll dive into the details of how you can use your FSA to pay for online personal training.

What is a Flexible Spending Account (FSA)?

A Flexible Spending Account is a special account set up by employers for their employees. The advantage of an FSA is that it allows you to put aside pre-tax dollars for eligible healthcare expenses, effectively lowering your taxable income. However, these funds typically must be used within the calendar year or they risk being lost, depending on your employer's specific plan.

Abstract representation of a flexible spending account (FSA) as a flourishing tree with multiple branches symbolizing financial flexibility and benefits.

Can Online Personal Training be Considered a Qualified Medical Expense?

Usually, FSA funds are used for medical expenses, prescriptions, and over-the-counter treatments. However, some health and wellness services like online personal training can potentially be covered if they are recommended by a healthcare professional as treatment for a specific medical condition. For instance, if you are diagnosed with obesity, diabetes, hypertension, or other conditions that could be managed or improved by regular exercise, online personal training could be considered a "qualified medical expense."

However, it's important to remember that whether or not online personal training is considered a qualified medical expense can vary based on individual FSA plans. Thus, it's vital to consult with your FSA administrator or human resources department to confirm.

How to Use Your FSA to Pay for Online Personal Training:

Here are the steps to using your FSA for online personal training:

  1. Obtain a Letter of Medical Necessity (LMN): If your doctor or healthcare professional agrees that online personal training is necessary for your health condition, you'll need them to provide a Letter of Medical Necessity. This letter should detail your condition and explain why online personal training is a necessary treatment.

  2. Check with Your FSA Administrator: Before you go ahead and sign up for personal training, contact your FSA administrator or HR department to ensure that online personal training costs can be reimbursed under your specific FSA plan.

  3. Pay for Your Training: After you get approval, you can go ahead and purchase online personal training. Ensure you keep all receipts and invoices as proof of your expenditure.

  4. Submit Your Claim: Finally, you will need to submit your claim, along with the LMN and all relevant receipts, to your FSA administrator for reimbursement.


It's important to remember that all FSAs are not created equal. The extent of your coverage can vary greatly depending on your specific plan. But with a bit of research and necessary documentation, it's entirely possible to use your FSA for online personal training, making your journey to health and fitness that much more affordable. Remember to consult with your HR department or FSA administrator to understand the specifics of your plan and to ensure you are maximizing the use of your FSA funds.

Online personal training is not just a luxury but a necessity for many, especially in our current digitally-focused world. And being able to utilize your FSA for it is an added advantage that can help you maintain a healthier and happier lifestyle without breaking the bank. So, explore your options, engage with your health, and make the most of your benefits!

Book Your Free 15-Minute Phone Consultation with Emma Mattison!

If you're ready to take your fitness to the next level, schedule a free 15-minute phone consultation with me, Emma Mattison. During this consultation, we can discuss your fitness goals, assess your current fitness level, and create a personalized plan to help you improve your fitness and functional health.

Image of Emma Mattison, a highly qualified online personal trainer, functional aging specialist, certified trainer and nutrition coach through NASM and FAI, and a skilled Tai Chi and Dance instructor.

But that's not all! As a special offer, I'm providing a free functional fitness course to jumpstart your journey. This course will introduce you to various exercises and training techniques to enhance your overall functional fitness and complement your aerobic base training.

Invest in yourself today and experience the transformative power of improving your aerobic base. Take the first step by scheduling your free consultation and claiming your free functional fitness course. Let's work together to achieve your fitness goals and unlock your full potential!

At-Home Fitness Fun for Older Adults: Energetic Older Man Embracing Online Workout with Emma Mattison for a Healthy and Active Lifestyle

Please note: The information provided in this article is for educational purposes only and does not substitute professional medical advice. Consult with your healthcare provider or a certified fitness professional before starting any new exercise program.

Schedule your FREE 15-Minute Phone Consultation and claim your FREE Functional Fitness Course with Emma Mattison! Click here to book now!

You can also email me at


About the Author

Image of Emma Mattison, a highly qualified online personal trainer, functional aging specialist, certified trainer and nutrition coach through NASM and FAI, and a skilled Tai Chi and Dance instructor.

Hi! I'm Emma Mattison. I'm a NASM certified personal trainer, nutrition coach, stretch & flexibility coach, pranayama breathwork guide, holistic nerd, and lover of birds & music! I specialize in functional fitness for older adults, and those with conditions such as fibromyalgia, arthritis, and multiple sclerosis. Scientific literature is fun to me, and my goal is to make it understandable and fun for you!

I am driven to share knowledge I find fascinating & transformative with my clients, and the world. Everyone has the power to take their health into their own hands!

My love for fitness and true discovery of health started with helping my best friend – who I can now call my husband! Today, I couldn't do any of this as smoothly and enjoyably as I do now without him! Check out our YouTube, MyZeniverse! He literally edits and films everything. He's editing the next YouTube video next to me right now, as we speak! Check it out, and give it a like if it's helpful! 😊😊

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