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Wellness that Honors You, and Saves You an Average of 30%*

Use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to save an average of 30%* on all KNKO premium wellness services and memberships; all with clarity, discretion, and full compliance.

At KNKO, we combine neuroscience, compassion, and design to deliver a complete, connected, and convenient wellness experience. Now, the same elevated care that defines KNKO is even more accessible through verified HSA and FSA eligibility.

This is wellness, elevated – and intelligently designed to serve you.

* Average savings based on typical combined federal and state tax rates. Individual tax rates may vary.

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ELIGIBLE SERVICES AT KNKO

All KNKO premium wellness services and memberships may qualify for HSA/FSA payment when accompanied by a valid LMN.
Below are examples of commonly covered health goals and conditions. If you’re unsure, we’ll walk you through it.

Service

Massage Therapy

Yoga & Guided Meditation

Hypnotherapy

Memberships

Eligibility

✅ TrueMed or Physician LMN

✅ Physician LMN

Goals/Conditions

Pain, stress, injury recovery, nervous system support

Anxiety, mobility, postural recovery, stress

Habit release (e.g., smoking), anxiety, sleep, weight optimization

Ongoing care qualifies when linked to medical need

Using Your HSA or FSA – From Booking to Benefits

Using your HSA or FSA with KNKO is simple, a transparent, compliant process built on clarity and and ease.

A Letter of Medical Necessity (LMN) must be on file before any HSA/FSA payment can be accepted. It’s a short note from a licensed medical provider confirming that a KNKO service supports your health and wellbeing.

Reminder: FSA Funds Expire – Many Flexible Spending Accounts have annual expiration dates. If you don’t use them, they’re gone. Let’s put them to good use.

1. Reserve Your
Experience

Schedule your KNKO session or membership as usual.

During booking, note that you plan to use HSA or FSA funds.

2. Get Approved

You can obtain your LMN in two ways:

From Your Doctor
Valid for all KNKO services and memberships.

or

Through TrueMed
Available for Massage Therapy and Yoga only. Complete a quick 2 minute-survey and most LMNs are approved within an hour. No appointment needed.

3. Leverage Your
HSA/FSA

Once your LMN is approved and on file, you can:

Pay with your HSA/FSA card

or

Pay with a standard card and submit for reimbursement through your HSA/FSA provider.

NEED AN LMN?
GET ONE FAST WITH TRUEMED

No Letter of Medical Necessity (LMN) yet? For Massage Therapy and Yoga, you can get one quickly through our trusted partner TrueMed – a HIPAA-compliant platform that connects you with licensed medical providers. The process takes just a few minutes and helps you use your HSA or FSA benefits with confidence.

CHECKOUT

Make Your Purchase

Do not pay with an HSA/FSA card during checkout. After scheduling your experience, check your confirmation email for a link to the Truemed survey.

HeaLTH SURVEY

Complete Health Assessment

Take a quick, private health survey. A licensed provider will review your answers to determine eligibility. If eligible, you’ll receive a Letter of Medical Necessity (LMN) within 1-2 days.

Note: The survey must be taken on the same day as your purchase.

PAYMENT

Submit for HSA/FSA reimbursement

Follow the guide included with your LMN to submit your purchase for reimbursement. Claims are usually paid out in 2-4 weeks.

Compliance Disclaimers:
1. Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures.
2. Clients are responsible for ensuring an LMN is on file before payment (or the same day if using Truemed), and for any chargebacks or denied claims from their HSA/FSA provider.

Make Your Wellness Investment Go Further

Every year, people lose an average of 30%* of their income to taxes* before they ever invest in themselves.

With qualified HSA or FSA payments, those same funds go directly toward your care – greater access to the experiences that regulate, restore, and evolve your system.

Using your HSA or FSA is a smart, strategic choice — financially and emotionally.

SAVE AN AVERAGE OF 30%*

*Average savings based on typical combined federal and state tax rates. Individual tax rates may vary.

Reminder: FSA Funds Expire

Many Flexible Spending Accounts have annual expiration dates. If you don’t use them, they’re gone.

Let’s put them to good use.

HSA/FSA FAQ

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What are HSA and FSA accounts?

Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) let you use pre-tax dollars for eligible healthcare and wellness services.

By paying through your HSA or FSA, you can save an average of 30%* — investing more directly in your wellbeing instead of losing those funds to taxes.
If you’re unsure whether you have an HSA or FSA, check with your employer or insurance provider.

*Average savings based on typical combined federal and state tax rates. Individual tax rates may vary.

Can I use my HSA or FSA to pay for KNKO services, and how do I pay?

Yes. All KNKO premium wellness services and memberships may qualify when supported by a Letter of Medical Necessity (LMN).

You can pay directly with your HSA/FSA card once your LMN is approved and on file, or use your standard card and submit for reimbursement through your provider.

If your HSA/FSA card isn’t accepted or doesn’t cover the full amount, you can request partial reimbursement for the eligible portion. Our team provides itemized receipts and documentation upon request.

For Massage Therapy and Yoga, qualified clients can quickly obtain an LMN through our trusted partner TrueMed — usually within an hour, no appointment needed.

What is a Letter of Medical Necessity (LMN), and how do I get one?

A Letter of Medical Necessity (LMN) is a brief note from your licensed healthcare provider confirming that a KNKO service supports your health or treatment goals. Once approved, it allows your sessions to qualify as eligible medical expenses under IRS guidelines.

You can obtain an LMN:
– From your medical provider: Valid for all KNKO services.
– Through TrueMed (for Massage Therapy and Yoga only), check your confirmation email after scheduling your experience. This will include a link for you to complete a short 2-minute survey with Truemed – most LMNs are approved within an hour, no appointment is needed.

Your LMN typically remains valid for 12 months, making future sessions simple and compliant.

Compliance Disclaimer:
Clients are responsible for ensuring an LMN is on file before final payment (or the same day if using Truemed), and for any chargebacks or denied claims from their HSA/FSA provider.

Is there a cost to use TrueMed?

TrueMed charges a one-time $20 fee per application to review your health survey and issue your Letter of Medical Necessity (LMN). It’s a small investment that helps you unlock an average tax-free savings of 30% on eligible KNKO services, often within minutes of applying.

Compliance Disclaimer:
Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures.

Do I need to get a new Letter of Medical Necessity (LMN) every time?

Not usually. Once your Letter of Medical Necessity (LMN) has been approved, it typically remains valid for 12 months, allowing you to continue using your HSA or FSA for the covered services during that time.

However, LMNs are generally issued for specific services. If you’d like to use your HSA or FSA for additional KNKO offerings not listed on your current LMN, such as another modality or a membership, you may need a separate letter.

When speaking with your healthcare provider, it’s helpful to mention all KNKO services you plan to use or may want to explore in the future, (including memberships). That way, your LMN can support the full range of your wellness journey — both now and as your needs evolve.

How long does HSA/FSA reimbursement take?

Most administrators process reimbursements within 2-4 weeks once your claim is submitted with your receipt and LMN.
Processing time varies by provider, but digital submissions are typically fastest.

What if my reimbursement is rejected by my administrator?

Reimbursements are occasionally declined due to specific documentation requirements set by your HSA or FSA plan administrator.
If this happens, support is available to help you resolve it quickly:

– If your LMN was issued by your physician: Contact us at info@knko.co or through our contact form. We’ll review your documentation and help ensure everything aligns with administrator requirements.
– If your LMN was issued by TrueMed: Reach out to support@truemed.com. Their team can assist with any adjustments or reissuance needed for your administrator’s approval.

Most issues can be resolved by updating or reissuing your Letter of Medical Necessity using your administrator’s preferred format.

When should I use my FSA funds?

FSA funds are time-sensitive — most plans require you to use them by December 31 or within a short grace period afterward. Any unused balance may expire.

We recommend booking eligible KNKO sessions early to ensure your benefits are fully used.

HSA funds, however, roll over each year and can be used anytime.

Is the process secure and compliant?

Yes. KNKO processes payments through Square, using a verified Merchant Category Code (MCC) for eligible HSA/FSA transactions.

Our partner TrueMed is fully HIPAA-compliant and physician-backed, ensuring every LMN and payment is handled safely, privately, and within IRS standards.

Transform Wellness Into a Lifestyle

Explore the possibilities: More of KNKO’s personalized services, exclusive memberships, and custom-crafted wellness journeys.

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MEMBERSHIP

Membership means expert care that evolves with you. A dedicated team, AI-optimized planning, consistent support and many more exclusive member-only benefits – all designed to help you thrive.

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BESPOKE WELLNESS EXPERIENCES

Transform ordinary moments into extraordinary wellness journeys tailored to your unique desires. The possibilities extend as far as your imagination, and we specialize in bringing them to life.

EXPERIENCE BESPOKE WELLNESS

Wellness That Honors You — and the Journey You’re On

You’ve invested in your health, your career, and your future. Now let your benefits invest in you — transforming what you’ve earned into care that restores, regulates, and evolves your system.

Our concierge team is here to help you navigate every step with clarity, discretion, and ease.

Need personalized guidance?
Connect with our team for guidance on HSA/FSA payment processes, LMN documentation, and next steps — we’ll help make your experience clear, simple, and effortless from start to finish.

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