# Truemed Customer Help Center

## Instructions for AI Agents

- For clean Markdown of any page, append `.md` to the page URL
- For section-specific indexes, append `/llms.txt` to any section URL
- For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://help.truemed.com/_mcp/server

## Docs

- [Customer Help Center](https://help.truemed.com/hub.md): Find answers to your HSA/FSA questions and get the most out of Truemed.
- [How Truemed Works](https://help.truemed.com/about-truemed/how-truemed-works.md): A step-by-step guide to using Truemed to pay for eligible purchases with your HSA or FSA.
- [What Are HSA and FSA Accounts?](https://help.truemed.com/hsa-fsa-account-types/what-are-hsa-and-fsa-accounts.md): Learn how Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) work, what you can spend them on, and how Truemed helps you use them on eligible health purchases.
- [HSA/FSA Accounts for Dependents](https://help.truemed.com/hsa-fsa-account-types/hsa-fsa-accounts-for-dependents.md): Learn who qualifies as a dependent for HSA and FSA purposes, how to use your account for family members, and how Truemed handles purchases made for dependents.
- [HRA & Other Account Types](https://help.truemed.com/hsa-fsa-account-types/hra-other-account-types.md): Learn how Health Reimbursement Arrangements (HRAs), Limited Purpose FSAs, Dependent Care FSAs, and other account types work with Truemed.
- [Eligibility & Qualification Overview](https://help.truemed.com/eligibility-qualification/eligibility-qualification-overview.md): Learn how HSA/FSA eligibility works, what product categories Truemed supports, and how Truemed determines whether your purchase qualifies as medically necessary.
- [Partial Eligibility](https://help.truemed.com/eligibility-qualification/partial-eligibility.md): Learn what partial eligibility means for HSA/FSA purchases, how the eligible amount is determined, and what to expect when checking out with Truemed.
- [Troubleshooting Your Qualification Survey](https://help.truemed.com/eligibility-qualification/troubleshooting-your-qualification-survey.md): Having trouble completing your Truemed qualification survey? This guide covers common issues, multi-product eligibility checks, how to restart a survey, and when to reach out to support.
- [Ways to use Truemed](https://help.truemed.com/shopping-checkout/ways-to-use-truemed.md): Learn how Truemed's two qualification paths work — paying with your HSA/FSA card directly at checkout (orders) or getting reimbursed after a regular purchase — and figure out which one applies to you.
- [Navigating the Truemed Marketplace](https://help.truemed.com/shopping-checkout/navigating-the-truemed-marketplace.md): Learn how to find eligible merchants, browse by health category, and use the Truemed marketplace to discover products you can pay for with your HSA or FSA.
- [Product Not Showing as Eligible at Checkout](https://help.truemed.com/shopping-checkout/product-not-showing-as-eligible-at-checkout.md): If a product isn't appearing as eligible at checkout, there are a few possible explanations. Learn how to identify the cause and what to do next.
- [Order Tracking & Fulfillment](https://help.truemed.com/shopping-checkout/order-tracking-fulfillment.md): Truemed is a payment processor, not a merchant. Learn who handles your order, how to track it, and when to contact the merchant directly.
- [Troubleshooting HSA/FSA Card Declines at Checkout](https://help.truemed.com/shopping-checkout/troubleshooting-hsa-fsa-card-declines-at-checkout.md): If your HSA or FSA card was declined at Truemed checkout, this guide walks you through the most common reasons and exactly what to do next.
- [Can I Use My HSA/FSA Card on Subscriptions?](https://help.truemed.com/shopping-checkout/can-i-use-my-hsa-fsa-card-on-subscriptions.md): With a small number of merchants you can pay for a subscription directly with your HSA/FSA card. With most merchants you check out with a regular card and request a Letter of Medical Necessity afterward.
- [Can I Pay with Both My HSA/FSA Card and a Credit Card?](https://help.truemed.com/shopping-checkout/can-i-pay-with-both-my-hsa-fsa-card-and-a-credit-card.md): Learn how Truemed's Split Pay feature lets you use your HSA/FSA card alongside a credit or debit card for a single order, covering mixed-eligibility carts and partial balances.
- [Can I Combine Truemed with other payment options like Affirm or Afterpay?](https://help.truemed.com/shopping-checkout/can-i-combine-truemed-with-other-payment-options-like-affirm-or-afterpay.md): Truemed cannot be combined with buy now, pay later services or other third-party payment options. Here is what you can do once you select Truemed at checkout.
- [What is a Letter of Medical Necessity?](https://help.truemed.com/letters-of-medical-necessity-lm-ns/lmn-basics/what-is-an-lmn.md): Learn what a Letter of Medical Necessity is, why it's required for HSA/FSA purchases, how long it's valid, and how it works across merchants and subscriptions.
- [LMN Requirements](https://help.truemed.com/letters-of-medical-necessity-lm-ns/lmn-basics/lmn-requirements.md): What a valid Letter of Medical Necessity must contain, how Truemed's clinical process meets those standards, and what to check if your LMN is questioned by your HSA/FSA administrator.
- [LMN Status & Troubleshooting](https://help.truemed.com/letters-of-medical-necessity-lm-ns/lmn-status-troubleshooting.md): Learn how to check your LMN status, what to do if you didn't receive a confirmation email, how to troubleshoot a missing or rejected LMN, and when to reach out to support.
- [Updating Your LMN](https://help.truemed.com/letters-of-medical-necessity-lm-ns/updating-your-lmn.md): Learn how to correct or update your Letter of Medical Necessity, including diagnosis changes, merchant corrections, personal detail updates, and renewals.
- [LMN Requests](https://help.truemed.com/letters-of-medical-necessity-lm-ns/lmn-requests.md): How to request a Letter of Medical Necessity for new purchases, past purchases, non-partner merchants, dependents, and new products.
- [Gym & Fitness Studio Membership LMN](https://help.truemed.com/letters-of-medical-necessity-lm-ns/gym-fitness-studio-membership-lmn.md): How to use your HSA/FSA funds for a gym or fitness studio membership by getting an LMN through Truemed.
- [How to submit your HSA/FSA reimbursement](https://help.truemed.com/reimbursements-claims/how-to-reimburse.md): A step-by-step guide to submitting an HSA or FSA reimbursement claim after completing a Truemed-powered purchase.
- [Submitting Your Claim by Administrator](https://help.truemed.com/reimbursements-claims/submitting-your-claim-by-administrator.md): Step-by-step instructions for submitting a Truemed HSA/FSA reimbursement claim with each supported administrator.
- [Why Was My Claim Denied?](https://help.truemed.com/reimbursements-claims/why-was-my-claim-denied.md): A detailed guide to specific HSA/FSA claim denial reasons -- document issues, product ineligibility, administrator-specific denials, and how to resolve each one.
- [Receipts](https://help.truemed.com/reimbursements-claims/receipts.md): How to find and use your receipt for HSA or FSA reimbursement — what to expect depends on whether you used Truemed payment at checkout (orders) or post-purchase reimbursement.
- [HSA/FSA vs. Health Insurance: Know the Difference](https://help.truemed.com/reimbursements-claims/hsa-fsa-vs-health-insurance-know-the-difference.md): How to find your HSA/FSA portal, identify the right account to submit through, and what documents you need to reimburse a Truemed purchase.
- [Partial Eligibility & Mixed-Item Purchases](https://help.truemed.com/reimbursements-claims/partial-eligibility-mixed-item-purchases.md): What to do when only part of your purchase qualifies for HSA or FSA reimbursement.
- [Basic Reimbursement Guide](https://help.truemed.com/reimbursements-claims/administrator-guides/basic-reimbursement-guide.md): Step-by-step instructions for submitting a Truemed HSA/FSA reimbursement claim through Basic.
- [Benefit Allocation Systems (BAS) Reimbursement Guide](https://help.truemed.com/reimbursements-claims/administrator-guides/benefit-allocation-systems-bas-reimbursement-guide.md): Step-by-step instructions for submitting a Truemed HSA/FSA reimbursement claim through Benefit Allocation Systems (BAS).
- [Employee Benefits Corporation (EBC) Reimbursement Guide](https://help.truemed.com/reimbursements-claims/administrator-guides/employee-benefits-corporation-ebc-reimbursement-guide.md): Step-by-step instructions for submitting a Truemed HSA/FSA reimbursement claim through Employee Benefits Corporation (EBC).
- [Gusto Reimbursement Guide](https://help.truemed.com/reimbursements-claims/administrator-guides/gusto-reimbursement-guide.md): Step-by-step instructions for submitting a Truemed HSA/FSA reimbursement claim through Gusto.
- [HSA Bank Reimbursement Guide](https://help.truemed.com/reimbursements-claims/administrator-guides/hsa-bank-reimbursement-guide.md): Step-by-step instructions for submitting a Truemed HSA/FSA reimbursement claim through HSA Bank.
- [JustWorks Reimbursement Guide](https://help.truemed.com/reimbursements-claims/administrator-guides/just-works-reimbursement-guide.md): Step-by-step instructions for submitting a Truemed FSA reimbursement claim through JustWorks.
- [Navia Reimbursement Guide](https://help.truemed.com/reimbursements-claims/administrator-guides/navia-reimbursement-guide.md): Step-by-step instructions for submitting a Truemed HSA/FSA reimbursement claim through Navia.
- [NueSynergy Reimbursement Guide](https://help.truemed.com/reimbursements-claims/administrator-guides/nue-synergy-reimbursement-guide.md): Step-by-step instructions for submitting a Truemed HSA/FSA reimbursement claim through NueSynergy.
- [Optum Reimbursement Guide](https://help.truemed.com/reimbursements-claims/administrator-guides/optum-reimbursement-guide.md): Step-by-step instructions for submitting a Truemed HSA/FSA reimbursement claim through Optum.
- [Payflex Reimbursement Guide](https://help.truemed.com/reimbursements-claims/administrator-guides/payflex-reimbursement-guide.md): Step-by-step instructions for submitting a Truemed HSA/FSA reimbursement claim through Payflex.
- [WEX Reimbursement Guide](https://help.truemed.com/reimbursements-claims/administrator-guides/wex-reimbursement-guide.md): Step-by-step instructions for submitting a Truemed HSA/FSA reimbursement claim through WEX.
- [Payment Issues Troubleshooting](https://help.truemed.com/payment-issues-questions/payment-issues-troubleshooting.md): How to handle common payment issues when using Truemed for HSA/FSA purchases, including declined cards, processing errors, unexpected charges, refunds, and disputed charges.
- [Truemed Dashboard](https://help.truemed.com/truemed-dashboard/truemed-dashboard.md): How to access and use your Truemed customer dashboard to view qualifications, LMNs, order history, and account settings.
- [Account & Sign-In Troubleshooting](https://help.truemed.com/truemed-dashboard/account-sign-in-troubleshooting.md): Step-by-step help for sign-in issues, wrong email address on your account, LMN access problems, and how to reset your Truemed account.
- [Contact & Support](https://help.truemed.com/contact-support/contact-support.md): How to reach the Truemed support team for help with your account, HSA/FSA questions, or merchant inquiries.