Can I Use My LMN for a Purchase at a Different Merchant?

Short Answer:
No – an LMN is specific to the business and its products or services. To remain compliant with IRS guidelines, you generally need a separate LMN for each individual business you intend to utilize.

• Business-Specific Documentation:

  • Your current LMN is tailored for the specific merchant and the products or services they offer.

  • Each business has its own scope of products and services, which is why the LMN is issued specifically for that context.

• IRS Compliance:

  • IRS guidelines require that the LMN directly relates to the product or service being purchased.

  • Using an LMN for a different merchant could result in non-compliance with these guidelines.

• Need for a New LMN:

  • If you plan to make a purchase at a different merchant, you will typically need to obtain a new LMN that specifically addresses the medical necessity for that merchant’s products or services.

• Ensuring Compliance:

  • Each LMN must accurately document the connection between your diagnosed condition and the specific intervention provided by the merchant.

  • This specificity is critical for the LMN to be accepted by your HSA/FSA administrator for reimbursement.

• Avoiding Reimbursement Issues:

  • Using an LMN that isn’t tied to the merchant from which you’re purchasing may lead to a denied claim, as the LMN would not meet the necessary documentation standards.

• For Future Purchases:

  • If you plan to purchase from a different merchant, contact your provider to discuss obtaining a new LMN tailored to that merchant’s offerings.

  • This step is crucial to ensure your claim is processed correctly and remains in compliance with IRS requirements.

• Need Help?

  • If you have any questions about obtaining a new LMN or the process for ensuring compliance, please contact our support team at support@truemed.com. We’re here to help you navigate these requirements and maximize your HSA/FSA benefits.

By securing a new, merchant-specific LMN for each business, you can ensure that all your HSA/FSA purchases remain compliant with IRS guidelines and that your reimbursement claims are processed smoothly.