Paying for GLP-1 with HSA/FSA

What is an HSA/FSA?

This page is part of our member resources and lists trusted programs designed to help offset the cost of GLP-1 medications.

Am I Eligible to Use My HSA or FSA for This GLP-1?

Answer three quick questions to see where you stand and what to fix, if anything.

1. Do you have a documented diagnosis in your medical chart (for example, obesity, type 2 diabetes, insulin resistance, PCOS, or metabolic syndrome)?

2. Is your GLP-1 prescription clearly tied to that diagnosis in your provider’s notes or a Letter of Medical Necessity (LMN)?

3. Which account are you planning to use for this GLP-1 expense?

Build Your Own LMN Request

Fill in a few details and we’ll format a Letter of Medical Necessity request you can send through your patient portal or email.

Your LMN Request

GLP-1 Access Now (GLP-1 Collective)

This program is in development to help reduce cost barriers for GLP-1 medications. While charitable funding for the nonprofit comes from grants and our GoFundMe campaign.

Learn more

PAN Foundation – Co-Pay Assistance Program

A charitable patient assistance fund offering up to $1,000 per year in co-pay and out-of-pocket support for underinsured individuals pursuing treatment for obesity, including those using FDA-approved GLP-1 medications . Eligible patients must be receiving treatment for obesity, reside in the U.S. or territories, have qualifying insurance, and meet a household income threshold .

Learn more

Why Your Claim Was Denied (and How to Fix It)

Click a message to see what it really means and how to fix it.

This usually means your plan administrator needs to manually verify the details before approving.

Common causes: missing itemized receipt, unclear charge description, or a new type of expense.

How to fix it: upload your detailed pharmacy receipt and, if needed, a copy of your prescription so they can match everything up.

This means the paperwork they have doesn’t clearly show that the expense treats a diagnosed medical condition.

Common causes: diagnosis not documented, prescription and diagnosis don’t match, or very generic notes.

How to fix it: ask your provider to confirm your diagnosis in your chart and, if you’re using an FSA, provide a Letter of Medical Necessity (LMN) that ties the GLP-1 prescription to that condition.

Your plan has flagged this as something that doesn’t qualify under IRS medical-expense rules.

Common causes: cosmetic or general wellness weight-loss programs, clinics that don’t document diagnoses, or non-compliant compounded medications.

How to fix it: make sure you’re working with a medical provider who documents a real diagnosis and prescribes GLP-1s as part of legitimate treatment, not a “lifestyle booster” or spa-style program.

Many denials can be reversed once the right documentation is on file.

What to gather:

  • Your GLP-1 prescription
  • Itemized pharmacy receipt (with date, patient name, medication, provider/pharmacy, and amount)
  • Letter of Medical Necessity (for FSAs or stricter plans)
  • A note or chart printout showing your diagnosis

Submit these through your HSA/FSA portal and, if needed, call your plan administrator to request a benefits review. Keep it factual and calm—they’re just following rules, not judging your care.

Remember: most denials are really just paperwork problems, not a verdict on your treatment.

Receipt & Documentation Checklist

Before you pay or submit a claim, run through this quick checklist to make sure you’ve got everything HSA/FSA reviewers look for.

When these boxes are checked, you’re walking into HSA/FSA submissions with clean documentation and far fewer surprises.

GLP-1 Access Now (GLP-1 Collective)

This program is in development to help reduce cost barriers for GLP-1 medications. While charitable funding for the nonprofit comes from grants and our GoFundMe campaign.

Learn more
Disclaimer: This resource is provided for general informational purposes only and is not intended as medical advice, diagnosis, or treatment. Always consult your healthcare provider before making any decisions about your medication or treatment plan. Program availability, eligibility, and funding are subject to change by the administering organizations. GLP-1 Collective does not administer or control third-party programs and cannot guarantee approval or financial assistance. Inclusion of any program does not imply endorsement. Comments or testimonials about these programs reflect individual experiences and do not represent the views of GLP-1 Collective.