How do I handle HSA/FSA reimbursement if my purchase includes both eligible and ineligible items?

If your order includes a mix of HSA/FSA-eligible and ineligible products, you may still be able to get reimbursed — but it requires a few extra steps to separate the two.

Some merchants partnered with Truemed support multi-card checkout, which allows you to:

• Use your HSA/FSA card to pay for the eligible portion of your cart

• Use a personal credit or debit card to pay for the ineligible portion

This is the cleanest way to ensure compliance and avoid reimbursement issues. If the merchant supports this feature, you’ll see it clearly during checkout.

If you paid for the full order using a personal (non-HSA/FSA) payment method, you may still be able to get reimbursed for the eligible portion through your HSA/FSA provider.

Here’s how:

1. Get an itemized receipt that clearly shows each product and its price

2. Identify which items are eligible (Truemed receipts help confirm this)

3. Submit only the eligible items for reimbursement

4. Include your Letter of Medical Necessity (LMN) with your claim

Important: Submitting a claim for the entire order — including ineligible items — could result in a denial or require you to repay funds to your HSA/FSA account.

If an item you believe should be eligible was flagged as ineligible:

• Contact us at support@truemed.com

• We can confirm eligibility based on IRS guidelines and correct any classification errors on the backend if needed

Whether you’re splitting a payment or requesting partial reimbursement, save the following:

• Itemized receipt

• LMN

• Proof of payment

This will help in case your provider requests additional documentation.

Still have questions? We’re happy to help. Reach out to us at support@truemed.com and let us know the merchant and items in your order.