Health savings accounts (HSA) and flexible spending accounts (FSA) are programs that allow you to set aside pre-tax dollars for eligible healthcare expenses. If you’re unsure whether or not you have an HSA or FSA account, please check with your employer or insurance company.

The process for using your FSA or HSA card differs based on whether you're making a single purchase or setting up a subscription.

For Single Purchases:

1. At checkout, select Truemed as your payment option.
2. Click 'Pay Now' which will take you to the qualification survey
3. Fill out the qualification survey
4. If approved, enter your FSA or HSA card details just like you would with any other credit card.

After the purchase, you will be redirected to a screen indicating that the order is being processed. The order is confirmed, but the payment is only authorized, not processed. The payment will be fully processed once a letter of medical necessity is issued by a medical provider. If the letter is not issued, the payment authorization and the order will be cancelled.

For Subscription Purchases:

1. Complete your purchase as usual. You won’t see the Truemed option during checkout.
2. After your purchase, you’ll receive a confirmation on your order and in the post-purchase email, letting you know that your subscription is FSA/HSA eligible.
3. Click the Truemed link provided in the confirmation or email, and follow the instructions to get your Letter of Medical Necessity.
4. Truemed will follow up over email with information on eligibility and instructions to submit your receipt and Letter of Medical Necessity to your HSA/FSA administrator for reimbursement.

Important:
The Letter of Medical Necessity is valid for one year, so you can use it to submit for reimbursement each month.

Truemed partners with merchants and brands to enable qualified customers to use HSA/FSA funds on on health and wellness purchases.

Truemed partners with a network of practitioners who evaluate customers’ eligibility and issue Letters of Medical Necessity to qualifying customers. For more information, please send an email to support@truemed.com.

HSA/FSA accounts were created so individuals could use pre-tax money to pay for expenses used to treat, mitigate, or prevent a diagnosed medical condition. Because HSA/FSAs use pre-tax money, you’re getting more purchasing power for your dollars. Rather than pay taxes on income and then spend it on health items, qualified customers can use pre-tax funds to invest in their health.

An individual can contribute up to $4,150 pretax to their HSA per year, or $8,300 for a family (plus an additional $1,000 if you are at least 55 years old. Individuals can contribute up to $3,200 pretax to their FSA per year (with an additional $500 in employer contributions allowed).

The items in your Truemed Letter of Medical Necessity (“LMN”) are now qualified medical expenses in the same way a visit to the doctor’s office or pharmaceutical product is.

There are thousands of studies showing food and exercise is often the best medicine to prevent and reverse disease. Exercise qualifies as a qualified medical expense with an LMN. Food, supplements, and other wellness purchases qualify as medical expenses if they treat or prevent an illness, and a doctor substantiates the need. Your Truemed LMN satisfies all IRS requirements to make your wellness spend fully reimbursable. For more information about Truemed, please send an email to support@truemed.com.

You can use your HSA/FSA dollars all year long. However, FSA dollars expire at the end of the year and unused money may not rollover into the next year. Make sure to spend the rest of your FSA dollars before December 31st — use it, so you don’t lose it!

Generally it takes 24-48 hours. In some cases, Truemed’s provider team will require additional time to issue a letter of medical necessity based on the needs associated with an individual qualification survey. If you aren’t seeing your letter in your inbox, check spam, then reach out to us at support@truemed.com for help.

Unfortunately, Truemed’s services are for individuals who have HSA or FSA accounts (or plan to fund one during open enrollment). We encourage you to ask your employer about information on your HSA or FSA!

There is no cost to you, as long as you are shopping with a Truemed partner merchant.