What Documentation Is Needed When My Administrator Requires a "Cost Comparison"?

Some HSA/FSA administrators require a cost comparison when reviewing reimbursement claims for certain health-related products. This comparison shows the price of a "standard" version of the item versus the medically necessary version recommended in your Letter of Medical Necessity (LMN).

Cost comparisons are usually requested when:

• The item could be considered a "general wellness" product (like a mattress)

• Your administrator wants proof that the purchase exceeds the capabilities of a typical, non-medical version

• You’re submitting a reimbursement request for a higher-cost item, and the medical benefit must be justified

This helps the administrator confirm that the eligible expense is limited to the medically necessary portion of the cost-not the entire product price.

Yes. We are actively working on standardized cost comparison documentation and already include it for many common items.

If your item qualifies:

• For common products, the cost comparison is automatically included in your receipt or supporting documentation after checkout.

If you’re asked for a cost comparison and didn’t receive one:

• Contact support@truemed.com with your order details

• Our team will provide you with pre-approved links and documentation to help you meet your administrator’s request

This reduces back-and-forth with your plan administrator and increases your chances of approval on the first submission.

Still need help? Reach out to support@truemed.com and let us know what product you purchased and which administrator you’re working with. We’ll walk you through the process.