🟡

Conditional

Requires Letter of Medical Necessity (LOMN)

Is Oura Ring FSA/HSA Eligible?

Brand: OuraCategory: Wearables

Retail Price

$299

You Save (Pre-Tax)

$90

Your Cost (After Tax Savings)

$209

* Based on 30% marginal tax rate. Adjust your rate below for accurate savings.

How to Get Approved

Requires diagnosis of sleep disorder (insomnia, sleep apnea) or cardiac arrhythmia. Your doctor must indicate the ring is medically necessary for monitoring your condition. Template: 'Patient requires continuous sleep/heart rate monitoring for diagnosed [condition].'

The Fast Way

Don't have a doctor?

Get instant approval online for $30. Skip the appointment — a licensed physician reviews your request and issues your LOMN within 24-48 hours.

24-48 hour turnaround
Board-certified physicians
Get Instant Approval — $30

Powered by TrueMed • We may earn a commission

or do it yourself for free

Free LOMN Template

Copy this template and bring it to your doctor. They'll need to customize it with your diagnosis and sign it.

LETTER OF MEDICAL NECESSITY Date: [DATE] To Whom It May Concern, I am writing to certify that Oura Ring is medically necessary for my patient: Patient Name: [PATIENT NAME] Date of Birth: [DOB] Diagnosis: [ICD-10 CODE AND DESCRIPTION] Medical Justification: Requires diagnosis of sleep disorder (insomnia, sleep apnea) or cardiac arrhythmia. Your doctor must indicate the ring is medically necessary for monitoring your condition. Template: 'Patient requires continuous sleep/heart rate monitoring for diagnosed [condition].' I have prescribed this item as part of the patient's treatment plan, and it is not for general health or cosmetic purposes. If you have any questions, please contact my office. Sincerely, [PHYSICIAN SIGNATURE] [PHYSICIAN NAME, MD] [PRACTICE NAME] [NPI NUMBER] [PHONE NUMBER]

Submit the signed letter to your FSA/HSA administrator along with your receipt.

Tax Savings Calculator

Retail Price

$299

Tax Savings

$90

You Pay

$209

By using FSA/HSA funds, you're paying with pre-tax dollars. This means you effectively save your marginal tax rate (30%) on every purchase. The higher your tax bracket, the more you save.

Quick Facts

Status
Conditional
LOMN Required
Yes
Category
Wearables
Price
$299
Buy from Oura