How to Submit for HSA/FSA Reimbursement

With your Truemed Letter of Medical Necessity (LMN), you are now eligible to request HSA/FSA reimbursements for your recent purchase and all future purchases for the next 12 months.

HSA/FSA funds can be used for qualified medical expenses. Independent healthcare providers have determined that the products listed in your LMN can help cure, mitigate, treat, or prevent a diagnosed medical condition.

This document explains our process and how to submit your reimbursement. The process should take less than five minutes.

At Truemed, our mission is to simplify using HSA/FSA funds to pay for transformative health interventions—from fitness tools to supplements. Our platform empowers you to unlock the full potential of your HSA/FSA dollars for true health investments.

• What It Is: You should have received a Letter of Medical Necessity (LMN) from Truemed.

• Purpose: The LMN substantiates that your purchase helps prevent, treat, or alleviate a disease, enabling the use of tax-free HSA/FSA dollars.

• Validity: Once issued, your LMN is valid for 12 months from the date of receipt.

• Tip: If you are unsure of your HSA/FSA administrator, consult your employer's HR department.

• Action: Use your credentials to access the administrator’s online platform.

• Note: If you don’t have an account, you may need to create one. Links and instructions for the most popular HSA/FSA administrators can be found at the bottom of this document.

• Navigation: Most online platforms have a dedicated section for reimbursements or claims.

• Documents Required:

  • Your LMN from Truemed

  • The receipt for the item(s) or service(s) purchased

• Timeline: Processing typically takes anywhere from a few days to a few weeks.

• Outcome: Once approved, the reimbursement amount will be deposited directly into your designated account.

• Reminder: You can continue to use the same LMN for future claims as long as it remains valid (within 12 months) and the products or services are intended to cure, mitigate, treat, or prevent your condition.

Need Specific Instructions?
For members using major vendors like Optum, we’ve provided detailed instructions with screenshots below. If you have any questions or encounter issues, please email us at support@truemed.com and we’ll respond as soon as possible.

Navia

Health Equity

WEX

FSAFeds

HSABank

Optum

Gusto

Payflex

Employee Benefits Corporation (EBC)

JustWorks

Benefit Allocation System (BAS)

Basic

Truemed makes proactive healthcare simple, accessible, and affordable. We help you unlock the potential of your HSA/FSA funds for true health investments by partnering with a network of independent medical practitioners. These practitioners issue Letters of Medical Necessity to qualifying customers, saving you money on health-enhancing purchases.

• Compliance: The items in your Truemed LMN are considered qualified medical expenses—just like a doctor’s visit or a pharmaceutical product.

• Evidence: Thousands of studies show that food and exercise are often the best medicines to prevent and reverse disease.

• Qualification: For example, exercise qualifies as a qualified medical expense when backed by an LMN, and food, supplements, and other wellness purchases qualify as medical expenses if they treat or prevent an illness and are substantiated by a doctor.

• Policy: If any HSA/FSA purchase outlined in our LMNs is rejected, we typically offer 30% of the purchase value. Please refer to our Terms of Service for full details, or email support@truemed.com for assistance.

• Overview: Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are tax-free accounts for paying qualified medical expenses.

• Setup: These accounts are usually managed by an HSA/FSA administrator and are often provided through your employer. Contact your HR department if you need more information.

• Differences: There are key differences between HSAs and FSAs, as detailed by Optum in their article.

• Tax Benefits: By using pre-tax funds, you gain increased purchasing power for your healthcare expenses.

• Savings: An individual can contribute up to $3,650 annually to an HSA, saving most patients between $1,000 and $2,000, depending on their state and tax rate.

• Tool: Estimate your savings with this calculator.

For most administrators, expenses are approved within 7-10 days after you submit your receipt and LMN. However, timing may vary based on your HSA/FSA administrator.

• Tax Forms: There are three key forms related to HSAs: IRS Form 1099-SA, 5498-SA, and IRS Form 8889.

• Process: Use the information from your 1099-SA (sent directly by your HSA administrator during tax season) to fill out IRS Form 8889.

• Record-keeping: Retain copies of all submitted documents for your records. For any issues, contact your administrator’s customer service or email support@truemed.com for guidance.

Note: Your LMN represents your provider's clinical opinion that an exercise or food program should be used primarily to prevent disease. This LMN can be used to purchase defined items with your HSA/FSA funds. This service is not a replacement for a Primary Care Provider