Buy with FSA/HSA

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

Truemed partners with a network of medical practitioners who can issue Letters of Medical Necessity to qualifying customers, thereby saving customers money on health and wellness purchases.

Truemed is backed by best-in-class investors, including functional medicine pioneer Mark Hyman and founders from Thrive Market, Eight Sleep and Levels.

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/FSA uses tax-free money, you’re getting more purchasing power for your dollars.

Rather than pay taxes on your income and then spend it on health items, you can use pre-tax funds to invest in your health.

An individual can contribute up to $3850 pretax to their HSA per year, or $7750 for a family (plus an additional $1000 if you are 55+). Individuals can contribute up to $3050 pretax to their FSA per year (with an additional $500 in employer contributions allowed). Almost every individual will save between $1,000 and $2,000, depending on their state and tax rate.

Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are tax-free accounts that can be used to pay for qualified health expenses. These accounts are usually set up and managed by an HSA or FSA administrator, and you should have access to said HSA/FSA administrator through your employer (ask your HR department!).

HSAs are typically associated with a high-deductible health plan, and funds do not expire. FSAs are independent of your health plan, and funds elections occur in October-November each year for the following calendar year. FSA funds expire every calendar year.

Unfortunately, HSAs and FSAs are not available outside of the US, and self-employed individuals (who do not have an HSA from a previous employment) do not qualify for HSAs or FSAs.

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!

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.

We are facing a chronic disease in the US. 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—including cold therapy products and Arctic Warriors—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. You have Truemed's guarantee that Truemed will pay the full amount you should have saved if any HSA/FSA purchase outlined in our LMNs is rejected.

Yes! You can use your HSA/FSA card. Once you pay with your card and complete the survey, all you need to do is keep an eye out for the Letter of Medical Necessity that we will send you, and hold onto it for the next 3 years.

If your HSA or FSA card does not transact successfully. Proceed to take the Truemed intake survey and acquire a Letter of Medical Necessity in order for your purchase to be compliant and reimbursed by your HSA or FSA funds (Truemed guarantees the reimbursement).

We strongly encourage simply transacting with your normal credit or debit card, and submitting for reimbursement as outlined above for the greatest likelihood of success.

For most FSA/HSA administrators, your expenses will be approved within days when you submit it with your Truemed Letter of Medical Necessity.

The exact timing will vary based on your administrator.

Truemed guarantees that eligible customers will get reimbursed. Their team is extremely helpful and there to guide you every step of the way.

Yes. You can still submit for partial reimbursement.

For example: if you purchase an eligible item for $2000 but only have $1200 in your account, you can reimburse $1200 of your purchase with your tax-free funds (with the remaining $800 paid for as normal).

Truemed offers a reimbursement guarantee for purchases with official Truemed merchant partners.

As long as you have funds in your HSA or FSA account, Truemed team will work with you to ensure that your purchase is reimbursed in full.

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