4Balance Fitness - Personal Training Studio in Upstate South Carolina

HSA / FSA ACCEPTED

INVEST IN YOUR HEALTH WITH PRE-TAX DOLLARS

Most 4Balance Fitness programs qualify for HSA and FSA reimbursement. That means you

can use pre-tax dollars to pay for personal training, nutrition coaching, and recovery — and

save up to 40% on your membership.

30–40%

AVERAGE SAVINGS

Depending on your tax bracket, paying with HSA or FSA funds can

save you 30–40% compared to paying with after-tax income. A $500

6-Week Starter could cost you as little as $300 in real dollars.

HOW IT WORKS

THREE SIMPLE STEPS

Getting approved to use your HSA or FSA at 4Balance Fitness takes just a few minutes

through our partner TrueMed.

01 GET QUALIFIED

Click the button below to visit TrueMed. You'll answer a few health-related questions and get matched with a licensed physician who can evaluate your eligibility. Most people are approved within minutes.

02 RECEIVE YOUR LMN

If approved, TrueMed provides you with a Letter of Medical Necessity (LMN). This is the document that allows your HSA or FSA provider to reimburse you for qualifying health and fitness expenses.

03 PAY & GET REIMBURSED

Submit your 4Balance receipts and your LMN to your HSA or FSA provider for reimbursement. You can also switch your payments directly to your HSA debit card. TrueMed's support team can help with the process.

SEE IF YOU QUALIFY →

ELIGIBLE PLANS

WHAT QUALIFIES FOR HSA/FSA

Most 4Balance training plans qualify for HSA and FSA reimbursement when accompanied

by a Letter of Medical Necessity.

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PERSONAL TRAINING

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SEMI-PRIVATE TRAINING

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FLEX TRAINING

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REMOTE TRAINING

NOT SURE WHAT HSA/FSA IS?

A QUICK BREAKDOWN

HEALTH SAVINGS ACCOUNT (HSA)

An HSA is a tax-advantaged savings account available to people with high-deductible health plans. You contribute pre-tax dollars, and the funds roll over year to year — they never expire. You can use your HSA debit card to pay for qualifying medical expenses, including personal training when prescribed by a physician through a Letter of Medical Necessity.

FLEXIBLE SPENDING ACCOUNT (FSA)

An FSA is an employer-sponsored benefit that lets you set aside pre-tax dollars for qualifying healthcare expenses. FSA funds typically must be used within the plan year — use it or lose it. Like an HSA, you can use your FSA for personal training and fitness services when you have a Letter of Medical Necessity from a licensed physician.

COMMON QUESTIONS

HSA/FSA FAQ

How do I know if I'm eligible?

Click the "See If You Qualify" button on this page. TrueMed will walk you through a short qualification process and connect you with a licensed physician. Most people find out within minutes whether they qualify.

What is a Letter of Medical Necessity (LMN)?

An LMN is a document from a licensed physician stating that a specific health service — like personal training — is medically necessary for your condition. This is what allows your HSA or FSA provider to approve reimbursement for fitness-related expenses. TrueMed handles the entire process for you.

Does this work with all 4Balance plans?

Most training plans qualify, including Personal Training, Semi-Private Training, Flex Training, and Remote Training. Open Gym (facility access only) typically does not qualify because it does not include coaching or a structured program. Your LMN will specify what services are covered.

IS THERE A CONTRACT?

No. After completing the 6-Week Starter, Open Gym is month-to-month at $75. Cancel anytime.

How much can I save?

By paying with pre-tax dollars, you effectively save whatever your marginal tax rate is — typically 30-40% for most people. For example, if you're in a 35% tax bracket, a $500 6-Week Starter would cost you about $325 in real dollars after the tax savings.

Can I pay directly with my HSA card?

Yes. Once you have your LMN, you can either submit receipts for reimbursement or switch your payments directly to your HSA debit card. TrueMed will provide instructions for both options.

Is there a cost to get qualified through TrueMed?

TrueMed's qualification process is free. You only pay for your 4Balance membership — there's no extra fee for the LMN or the TrueMed approval process.