Can I Use My HSA/FSA for Supplements?

Short Answer:
Yes—but only if your nutritional supplements are recommended by a medical practitioner as a treatment for a specific medical condition diagnosed by a physician. Without this recommendation, supplements for general wellness are not considered a qualified medical expense under IRS rules.

According to IRS guidance (Q14 from the FAQ), nutritional supplements can be reimbursed by an HSA, FSA, Archer MSA, or HRA only if they are recommended by a healthcare provider for the treatment of a specific medical condition. This means that:

• If Recommended for a Specific Condition:
  Supplements used as part of a prescribed treatment plan for conditions such as nutrient deficiencies, certain chronic conditions, or other diagnosed health issues may be eligible for reimbursement.

• If for General Wellness:
  Supplements taken solely for general health or well-being without a targeted medical recommendation are not eligible.

To qualify for HSA/FSA reimbursement, your nutritional supplement purchase must meet the following criteria:

1. Physician-Diagnosed Condition:

   • You must have a specific medical condition diagnosed by a qualified physician.

2. Medical Recommendation:

   • A licensed healthcare provider must recommend the supplement as a treatment for that condition.

   • This recommendation is often documented through a Letter of Medical Necessity (LMN) or similar documentation.

3. Clear Treatment or Preventive Rationale:

   • The clinical rationale should demonstrate that the supplement is “primarily for” the treatment or prevention of your diagnosed condition.

1. What if I take supplements for overall wellness?
Supplements taken for general health without a specific medical recommendation are not eligible for HSA/FSA reimbursement.

2. What documentation do I need?
You’ll need a Letter of Medical Necessity from a licensed healthcare provider, along with proof of purchase, to submit for reimbursement.

3. My HSA/FSA administrator denied my claim—what should I do?
If you have the required documentation and your claim is still denied, we recommend contacting your HSA/FSA administrator and referencing IRS guidance (Q14) to review your case. You can also reach out to support@truemed.com for further assistance.

Your nutritional supplements can be eligible for HSA/FSA reimbursement if they’re part of a medically necessary treatment plan for a specific condition. This eligibility hinges on having proper documentation, such as an LMN, that clearly demonstrates the supplement’s role in treating or preventing your diagnosed condition.

If you have further questions or need help obtaining the required documentation, please contact support@truemed.com. We're here to help you navigate these requirements and maximize your HSA/FSA benefits.