Much of your knee surgery recovery can be paid pre-tax

Check the items you expect to buy. The total updates with your tax bracket — that difference is money that stays in your pocket when you pay pre-tax.

Generally qualify — no letter needed

	Recovery expense	Typical cost	Eligible

May qualify with a Letter of Medical Necessity

Your marginal tax rate

Checked total $0

You keep $0

by paying pre-tax instead of after-tax

Massage, pool, recumbent bike — one extra step

Items above marked “LMN” may qualify only when they treat your knee diagnosis as part of a recovery plan, and a licensed physician documents that in a Letter of Medical Necessity. The letter documents the need; it does not make anything eligible on its own. General fitness use does not qualify, and your plan administrator decides.

Get a Letter of Medical Necessity

Your recovery, tracked

Before surgery: the JointClass education path. After surgery: JointCoach camera-based exercise tracking your surgeon can see — Medicare-covered monitoring.

ComfortCard

Track all of this in one place.

Store your recovery profile, log eligible expenses through the year, and see your real HSA/FSA savings — not an estimate.

Create your ComfortCard This is one piece — see everything your family qualifies for →

← Back to JointClass

Educational information, not tax or medical advice. Eligibility rules are set by the IRS (Publication 502) and your plan administrator; confirm with your plan before purchasing. Typical costs are national estimates.

HSA/FSA eligibility is determined by your plan administrator, not by ComfortCard or co-op.care. A Letter of Medical Necessity is supporting documentation, not a guarantee of reimbursement, and is issued only when a physician finds it clinically appropriate. Any savings figures are illustrative and depend on your plan and tax bracket. This is not tax or legal advice.