Letter of Medical Necessity (LMN)
A document from your doctor stating that a specific item or service is medically necessary for your condition.
What is Letter of Medical Necessity (LMN)?
A Letter of Medical Necessity (LMN) is a statement from your healthcare provider confirming that a specific product or service is medically necessary to treat a diagnosed condition. This letter can make otherwise ineligible items HSA-eligible.
Common items requiring an LMN include massage therapy (for a diagnosed condition), certain supplements (to treat a deficiency), ergonomic equipment (for chronic pain), and weight loss programs (for obesity-related conditions). Without the LMN, these would typically be ineligible.
An LMN should include your diagnosis, the prescribed treatment or product, and why it's medically necessary. Keep it with your receipts for substantiation if you're ever audited.
Frequently Asked Questions
What should be in a Letter of Medical Necessity?
Your diagnosis or condition, the specific treatment or product prescribed, and a statement that it's medically necessary.
How do I get an LMN?
Ask your doctor. Explain what you need the letter for and what product or service should be covered. Some providers charge a small fee.
Do I need an LMN for regular medical expenses?
No. Obvious medical expenses like doctor visits and prescriptions don't need LMNs. They're mainly for borderline items that need medical justification.
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