Frequently Asked Questions

An HSA, or Health Savings Account, is a tax-advantaged savings account that

individuals can use to save money for qualified medical expenses. It is typically paired

with a high-deductible health insurance plan and offers tax benefits such as

tax-deductible contributions, tax-free growth, and tax-free withdrawals for medical

expenses.

An FSA, or Flexible Spending Account, is a tax-advantaged financial account that

allows individuals to set aside pre-tax money from their paycheck to cover qualified

medical and dependent care expenses. However, it is important to note that funds 

within an FSA account expire annually and do not rollover.

HSA and FSA accounts were created so patients could use pretax money to pay for

qualified medical expenses. You pay no taxes on the money you put into your HSA or

FSA. You pay no taxes on the money you take out of your HSA or FSA to pay for

eligible health care expenses. Rather than pay taxes on your income and then spend it

on health items, you can use pre-tax funds to invest in your health.

To determine if your employer offers a Health Savings Account (HSA) or Flexible Spending Account (FSA), you can review your benefits package provided by your

employer. If you cannot find information about HSAs or FSAs in your benefits package,

reach out to your company's Human Resources (HR) department. They can provide you

with detailed information about the benefits offered by your employer, including 

whether they offer HSAs or FSAs. Remember that not all employers offer both HSAs and 

FSAs,  benefits plan. Additionally, the availability of these accounts may change from 

year to year, so it's a good idea to stay informed about your workplace benefits regularly.

You'll have to wait until you select your medical coverage for the following year. It's common for your employer to offer an "Open Enrollment" period for you to review medical coverage plans at the end of the year. During this time, you'll be able to select if

you would like a HSA or FSA account if your employer offers these options.

To confirm eligibility to use HSA or FSA funds for coaching, you are required

to obtain a Letter of Medical Necessity from a medical provider stating that weight loss

would be beneficial for a medical condition.

Generally, most HSA and FSA plans will cover services for weight loss support when

these services are determined to be medically necessary based on a documented

medical diagnosis. To confirm whether your plan qualifies, it is recommended that you

contact your HSA or FSA provider directly to make sure you are eligible.s item.

To confirm whether your HSA or FSA plan qualifies, it is recommended that you contact your HSA or FSA provider directly

Yes, if approved by your provider, you can use your HSA or FSA funds and get

reimbursed. Please review How to Use Your Funds to help you walk through this simple

payment process. Please check with your HSA or FSA provider to confirm

documentation requirements.

A Letter of Medical Necessity, signed by a medical provider, recommends weight loss or a medical condition. Your HSA or FSA provider requires one for reimbursement or

coverage purposes.

You can work with your physician to obtain a Letter of Medical Necessity. I have a

template letter they may use

Karen Peplinski Coaching is a one-on-one nutrition coaching service provided by a 

Registered/Licensed Dietitian that is fully supported by the Apotheo app and proceeds 

virtually, with no requirements for an in-person visitation.

In addition, KP Coaching provides the opportunity for daily communication with a 

nutrition coach, whereas in-person nutritionist/dietitian services can range from weekly 

monthly consults, with limited interim communication.

Please contact your HSA or FSA provider regarding previous payment reimbursements

for the calendar year and documentation requirements. You may have to submit your

Letter of Medical Necessity and request an itemized receipt from our Member

Experience team of all payments in the calendar year that you have the HSA or FSA.

Review your HSA or FSA administrator for reimbursement details. For most HSA or

FSA providers, your expenses will be approved within 7-10 days when you submit your

receipt along with a Letter of Medical Necessity.

Letters of Medical Necessity are typically deemed valid for one year after they are signed but please check with your HSA/FSA provider to confirm. Additionally, medical

providers may indicate the duration of services, as a recommendation within the Letter

of Medical Necessity.

It is best to check on the specific requirements of your HSA or FSA plan to confirm if a

family member can use these funds. Typically, if a family member has a Letter of

Medical Necessity signed by a provider that recommends weight loss for a medical

condition, they should be eligible to use HSA or FSA funds for KP Coaching 1:1 nutrition

coaching.