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Andy Galpin

Truemed is a telehealth and payments company that helps qualified customers use Health Savings Account (HSA) or Flexible Spending Account (FSA) funds on eligible purchases. Customers shop directly with participating brands, while Truemed enables compliant HSA/FSA payment by coordinating independent practitioner evaluation and Letter of Medical Necessity (LMN) documentation. Truemed is not a healthcare provider and does not sell products. Read more about Truemed on the blog. (opens in a new tab)

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are tax-advantaged accounts used to pay for eligible healthcare expenses.

HSAs can typically be invested and roll over year to year. FSAs are employer-sponsored and may expire annually, depending on your plan.

Some Health Reimbursement Arrangements (HRAs) may also cover eligible expenses, depending on your employer’s plan and reimbursement rules. Learn more about HSAs and FSAs. (opens in a new tab)

When a purchase requires medical justification, Truemed connects qualified customers with an independent licensed clinician who reviews eligibility and may issue a Letter of Medical Necessity (LMN).

This documentation enables compliant use of HSA/FSA funds on eligible purchases. Customers purchase directly from the brand; Truemed enables compliant payment and documentation. Learn more about how Truemed works. (opens in a new tab)

The process depends on the brand and product you’re purchasing.

For participating brands, Truemed guides you through a clinical intake form during or after checkout. No in-person visit required.

An independent licensed practitioner reviews your information and, if appropriate, issues a Letter of Medical Necessity (LMN) based on your individual health needs. 90% of LMNs are issued within 7 hours.

If approved, your LMN is stored in your Truemed account and can be used to support compliant HSA/FSA spending. Learn more about what makes a good LMN and how to get one. (opens in a new tab)

HSA and FSA funds are pre-tax dollars.

Normally, when you earn income, a portion goes toward federal and state taxes before you can spend it. For many people, that can be around 30%, depending on your individual tax rate.

When you use HSA or FSA funds on eligible purchases, those dollars are not taxed. That means you’re effectively saving the amount you would have paid in income taxes.

Your actual savings depend on your tax bracket. On average, customers save around 30%.

Your Letter of Medical Necessity (LMN) is securely stored in your Truemed account.

To access it:

1. Go to truemed.com and log in using the email you used for your clinical intake form.
2. Navigate to your dashboard.
3. Download your LMN as a PDF.

For privacy and security reasons, LMNs are no longer emailed. Head to the Help Center for more on LMNs. (opens in a new tab)

If you can’t access your account, contact support@truemed.com (opens in a new tab)

Most Truemed partners are integrated directly into the checkout or purchase flow.

Depending on the merchant, this happens in one of two ways:

Integrated checkout: Truemed appears during checkout, where you complete the clinical intake form as part of the purchase flow.

Post-purchase follow-up: The merchant collects your order first, then Truemed sends a follow-up to complete the clinical intake form for an independent licensed practitioner to determine eligibility.

In some cases — most commonly with gyms, studios, or memberships — customers may be able to complete the clinical intake form before purchasing for an independent licensed practitioner to determine eligibility.

Eligibility is always based on the specific product or service and your individual health information, and Truemed clearly guides you through the correct path for each partner. Learn more about eligibility qualification. (opens in a new tab)

In many cases, yes.

Some merchants support direct HSA/FSA payment using Truemed at checkout.

Others may require you to pay out of pocket and submit a reimbursement claim using your Letter of Medical Necessity (LMN) and receipt.

Independent practitioners issue the LMN. Whether you pay directly or seek reimbursement depends on the merchant and your plan. Learn more about reimbursements (opens in a new tab).

HSA/FSA administrators make the final determination on all claims.

Independent, licensed practitioners issue Letters of Medical Necessity (LMNs). Truemed provides the required documentation and works to support a compliant submission, but cannot override your plan administrator’s final decision.

If a claim is denied, your administrator may request additional documentation or clarification. In many cases, Truemed can help by providing additional supporting information or improving documentation when appropriate. You may also contact your administrator directly to understand their specific requirements. Learn more about what to do in the event of a claim denial. (opens in a new tab)