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).

Yes, you can pay with a regular credit card at Truemed and seek reimbursement later from your HSA/FSA account. Here's how it works:

Checkout Process: Add products to your cart and select Truemed as the payment option at checkout. You can choose to pay with a regular credit or debit card instead of an HSA/FSA card. Ensure you check out as a guest and avoid accelerated checkout options like Shop Pay.

Health Survey: After selecting Truemed, you'll complete a brief health survey to determine eligibility for HSA/FSA reimbursement. A licensed provider reviews your responses, and if approved, you'll receive a Letter of Medical Necessity (LMN) within 24-48 hours.

Reimbursement: Once you have the LMN, submit it along with your purchase receipt to your HSA/FSA administrator for reimbursement. The process typically takes a few days, though timing varies by administrator. You can reimburse the full or partial amount depending on your HSA/FSA funds.

Yes, you can use a regular credit card for your purchase. As long as you've received your reimbursement letter from TrueMed, you can always contribute to your HSA/FSA account at a later time.

We do advise that rules may depend on your specific HSA or FSA administrator’s policies, so we advise that you only submit expenses incurred on or after the date listed on your Letter of Medical Necessity.

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.

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.

Yes. You can still submit for partial reimbursement. For example: if you purchase an eligible item for $100 but only have $60 in your account, you can reimburse $60 of your purchase with your tax-free funds (with the remaining $40 paid for as normal).

For most FSA/HSA administrators, your expenses will be approved within days when you submit your claim for reimbursement along with your receipt and a Letter of Medical Necessity. The exact timing will vary based on your administrator.

If you have already received a Letter of Medical Necessity for purchasing specific products from a merchant, you do not need to complete Truemed’s survey again so long as your Letter of Medical Necessity remains valid. Letters of Medical Necessity are typically valid for 12 months after they are first issued. You do still need to submit your receipts for reimbursement with your HSA/FSA administrator.

There is a small fee for using Truemed at the end of the qualification survey.