![]() ![]() If you’re submitting an LOMN to your insurance company, it’s a good idea to ask if there’s a preference about what kind of provider submits the document. The healthcare provider who writes the LOMN must be the person who is treating you. Physical therapists and occupational therapists Some examples of healthcare providers that can write an LOMN are: ![]() However, it doesn’t guarantee that an expense will be approved. An LOMN can help improve the odds of reimbursement for a product or service. Generally, your healthcare provider writes and signs a letter of medical necessity. Who writes a letter of medical necessity? Transcutaneous electrical nerve stimulators (TENS) This is generally used for claims involving durable medical equipment (DME), such as: Medicare has its own version of an LOMN called a certificate of medical necessity. Common examples of products and services that may require a LOMN include: Generally, items that are not on the IRS’ list of qualified medical expenses need an LOMN. ![]() ![]() As mentioned, certain items may require a letter or medical necessity to be considered eligible. If you have an FSA or HSA, you can call your account custodian to determine if an expense would be approved for reimbursement. If you have insurance, it’s important to contact your provider to get a better idea of what’s covered under your plan. It’s not always clear if a product or service is considered an eligible expense under an insurance plan or tax-advantaged account. What are some items that require a letter of medical necessity? You may also need an LOMN if you have an HSA and are taking deductions for medical expenses. You usually need a letter of medical necessity for medical procedures or products that are excluded from health insurance coverage. When is a letter of medical necessity required? These tax-advantaged accounts allow you to set aside pretax dollars to pay for qualified medical expenses. You will need an LOMN to obtain reimbursement for the supplements when you use your HSA or FSA funds. Let’s say your doctor recommends that you take iron supplements to treat iron-deficiency anemia. If the expense does not meet this requirements, it will not be considered an HSA- or FSA-eligible expense by the IRS. This document verifies that the expense is for the diagnosis, treatment, or prevention of a disease or medical condition, rather than for general health purposes. What is the purpose of a letter of medical necessity?Ī letter of medical necessity explains why your healthcare provider is recommending a specific treatment or product. However, if the expenses are not considered qualified medical expenses by the IRS, you may need a letter of medical necessity, or LOMN, from your healthcare provider to verify that the products or services are necessary for your health. You can use your health savings account (HSA) or flexible spending account (FSA) to pay for certain expenses that aren’t covered by insurance. But some items - such as vitamins, supplements, and exercise equipment - typically aren’t covered. Health insurance policies cover a wide variety of services and products, from healthcare provider visits to hospital stays, prescription medications, and medical equipment. ![]()
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