Can I get an LMN before I purchase a product through Truemed?

Short Answer
Yes—but whether you can complete the health assessment (and obtain a Letter of Medical Necessity) before you make a purchase depends on each merchant’s specific checkout flow. The key requirement for HSA/FSA is that the LMN’s issue date must be on or before the purchase date to avoid potential claim denials.

• Complete the Health Assessment During Checkout
  If a merchant uses Truemed’s integrated payment system, you’ll be prompted to complete the clinical survey before your purchase is finalized.

• Outcome

  • If you qualify, your HSA/FSA purchase can proceed normally.

  • If you do not qualify, the transaction will be reversed, and you’ll need to use a different payment method.

• Why This Matters
  Truemed aligns the LMN issue date with the purchase date, reducing the likelihood that your HSA/FSA claim will be denied.

• Take the Health Assessment First
  For merchants who do not use our integrated checkout, you can (and should) complete the clinical intake form prior to purchasing. This helps determine whether you’re eligible for an LMN for the product.

• Where You See the Survey
  These merchants get to decide where the clinical survey is shown to users. Truemed recommends placing it in a post-purchase experience (like on the confirmation screen or receipt) so you can confirm eligibility. If the LMN you generate is dated on or before your purchase date, it still meets HSA/FSA requirements.

• Avoiding Claim Denials
  By obtaining your LMN before or on the date of purchase, you can minimize the risk of claim denial. An LMN dated after the purchase date may be invalid for HSA/FSA reimbursement.

HSA/FSA administrators typically review the LMN issue date versus the purchase date. If the LMN is dated after your purchase, your claim may be rejected. Having the LMN in place beforehand—or at least on the same day—ensures you have documented medical necessity at the time of purchase.

1. What if my LMN is dated after the purchase date?
   Your HSA/FSA administrator might deny the claim because it appears you lacked medical necessity at the time of purchase.

2. What if I start the assessment but don’t qualify for an LMN?

   • For integrated merchants, your HSA/FSA transaction will be reversed, and you can still purchase with another method.

   • For non-integrated merchants, you won’t be able to apply HSA/FSA funds unless you have a valid LMN. You could still pay with a personal card.

3. Can I still use my HSA/FSA card without an LMN if I believe the item is eligible?
   It depends on your plan’s rules. Some items are covered without an LMN, while others explicitly require one. Always check your plan details.

4. Where can I find the clinical survey if the merchant is not integrated with Truemed?
   The merchant decides where and when to display the clinical survey—often on a confirmation page or receipt. Reach out to the merchant or Truemed Support if you can’t find it.