Is Oura Ring Smart Health Tracker FSA Eligible?
Smart titanium ring that tracks sleep stages, heart rate variability (HRV), body temperature trends, and recovery metrics.
Yes, Oura Ring Smart Health Tracker is FSA and HSA eligible, but requires a Letter of Medical Necessity (LMN) from a licensed healthcare provider.
Eligibility Criteria Matrix
⚕️ Letter of Medical Necessity (LMN) Required
Requires an LMN stating the ring is prescribed for monitoring a diagnosed condition such as insomnia, arrhythmia, chronic fatigue, or reproductive health.
Where to Buy & Typical Cost
Typical retail price range: $299 – $549
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Frequently Asked Questions: Oura Ring Smart Health Tracker
Is Oura Ring Smart Health Tracker covered by my FSA?
Yes, Oura Ring Smart Health Tracker is an eligible healthcare expense under IRS Code Section 213(d). You can use your FSA card at point-of-sale or submit itemized receipts for direct reimbursement.
Do I need a prescription to buy Oura Ring Smart Health Tracker?
No prescription is needed. Over-the-counter health supplies and medications have been fully eligible without a doctor's prescription since the CARES Act of 2020.
What documentation do I need to keep for my Oura Ring Smart Health Tracker claim?
Save an itemized receipt or receipt email showing the merchant name, date of purchase, product description ("Oura Ring Smart Health Tracker"), and amount paid. Credit card statements alone do not satisfy IRS audit requirements.
Where is the best place to purchase Oura Ring Smart Health Tracker with an FSA card?
You can purchase directly at FSA-certified online retailers such as the FSA Store, or on Amazon using the FSA/HSA filter. Both accept benefits cards directly during checkout.
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