Quick Answer: Sign up at crateshealth.com, complete a short health survey, select the products you want covered, and our licensed healthcare providers will review your case and issue your Letter of Medical Necessity. Many LMNs are issued within minutes for catalog products, or 24-48 hours for custom requests. No doctor visits or appointments needed.
The Process
Step 1: Sign Up and Choose Your Plan
Visit crateshealth.com and select the plan that works for you:
One Product ($39/year) - 1 LMN
Three Products ($79/year) - 3 LMNs
Unlimited ($99/year) - Unlimited LMNs
Step 2: Complete Your Health Assessment
This short questionnaire takes about 2-3 minutes. You'll be asked about:
Basic health information
Medical conditions you have or are at risk for
Your current wellness routine
Products you'd like to cover with HSA/FSA funds
Be thorough and honest. The more complete your health profile, the more accurately our licensed healthcare providers can evaluate your eligibility. Missing information can delay your LMN.
Step 3: Select Your Products
Choose the specific products or services you want LMNs for. Browse by category:
🏋️ Gym Memberships - Equinox, 24 Hour Fitness, Orangetheory, and more
⌚ Fitness Trackers - Apple Watch, Oura Ring, WHOOP, Garmin
💊 Supplements - AG1, Thorne, Momentous, Seed, LMNT
🧊 Recovery - Therabody, saunas, cold plunges, red light therapy
😴 Sleep - Eight Sleep, sleep trackers
🚴 Home Fitness - Peloton, Tonal, NordicTrack
🧠 Mental Health - Meditation apps, therapy tools
Don't see your product? Check our explore eligibility page. Crates can issue LMNs for any eligible wellness product — you're not limited to a set catalog.
Step 4: Medical Team Review
A licensed healthcare provider (MD, DO, PA, NP) on our team reviews your health profile and determines medical eligibility. This isn't a rubber stamp — our providers evaluate each case individually based on your health information.
Not everyone qualifies for every product. If your health profile doesn't support medical necessity for a particular item, our team won't issue an LMN for it. That's how we stay compliant with IRS rules and protect you.
Step 5: Receive Your LMN
Once approved, your LMN is generated and available in your Crates dashboard. You'll receive an email notification letting you know it's ready. You can view and download your LMN as a PDF from your dashboard at any time.
What Happens After I Get My LMN?
Make your purchase wherever you normally would (Amazon, gym front desk, brand website, etc.) — Crates is not a store, you buy products directly from the retailer
Save your itemized receipt (showing product name, date, amount, and merchant)
Upload the itemized receipt to your Crates dashboard
Submit for reimbursement — for supported admins, our in-house claims team handles the submission. For other admins, download your LMN and submit to your admin's portal yourself
Important Tips
Get your LMN BEFORE you buy
Your LMN must be dated on or before your purchase date. Buying first and getting documentation later may result in your claim being denied.
One LMN per product
Each LMN covers one specific product tied to a specific health condition. If your LMN covers a gym membership, you don't need a new one each month — the same LMN covers the duration of your treatment plan (typically 12 months).
Your LMN is specific to you
LMNs are personalized medical documents. They connect YOUR health conditions to YOUR purchases. They cannot be shared or used by someone else.
Renewals are automatic for subscribers
On the Three Products or Unlimited plans, your LMNs will be renewed automatically when they expire (typically after 12 months), as long as your subscription is active.
Can I Also Get an LMN From My Own Doctor?
Yes! You're always welcome to get an LMN from your personal physician. Some people prefer this route, especially if they have an existing relationship with their doctor. Keep in mind it typically takes longer (1-4 weeks) and may involve a copay ($50-150+).
Whether you go through Crates or your doctor, the LMN serves the same purpose and is equally valid.
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