> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://help.truemed.com/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://help.truemed.com/_mcp/server. # Product Not Showing as Eligible at Checkout > 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. ## Why a product may not appear eligible HSA/FSA eligibility at checkout is not simply a yes or no per brand. Even within a Truemed partner brand, eligibility is determined at the product level. This means some products from the same brand will show the Truemed HSA/FSA checkout option, and others will not. There are several common reasons a specific product might not appear eligible when you are shopping: * **The product is genuinely ineligible.** Some products from partner brands are accessories, lifestyle items, clothing, or otherwise fall outside what the IRS considers a qualified medical expense. The following screenshots show a comparison of an eligible and an ineligible item from the same merchant: - **The product hasn't been categorized yet.** The product may actually be eligible, but it hasn't been added to Truemed's system yet. This can happen with new product launches. - **You are shopping on a third-party website.** Truemed's integration only works through the brand's direct website. If you are on Amazon, Best Buy, or another retailer, the Truemed option won't appear even if the product itself is eligible. - **The brand is not a Truemed partner.** If you are on a brand's direct site and see no HSA/FSA option at all, they may not be integrated with Truemed. Understanding which of these applies to your situation will point you toward the right next step. --- ## Ineligible product purchases Not every product a brand sells qualifies for HSA/FSA use. Eligibility is determined product by product based on IRS guidelines, not brand by brand. **How to tell if a product is genuinely ineligible:** * There is no HSA/FSA option at checkout, and the product is an accessory, lifestyle item, or clearly not health-related. * The product is from a category that does not fall under IRS Section 213(d) qualified medical expenses. **What to do:** If the product you want is not eligible, you have a few options: * **Find an eligible alternative.** The brand may carry a similar product that does qualify. Look for products in the same category that show the HSA/FSA checkout option. * **Purchase with a regular card.** You can always buy an ineligible product using a standard debit or credit card. A purchase made outside of Truemed will not appear in the **Orders** tab of your Truemed dashboard, since Truemed was not part of that transaction. * **Split your payment.** Your cart can include both eligible and ineligible items  and you can split your payment for each amount between your HSA/FSA card and a personal credit/debit card. * **Browse the Truemed marketplace.** Visit [truemed.com](https://truemed.com) to explore eligible products across all partner brands and find options that meet your health needs. --- ## Product not yet categorized Truemed reviews every single merchant partner product for eligibility. In some cases, a product may be genuinely HSA/FSA eligible but because it is new, our team has not yet reviewed it for eligibility. **How to tell if this might be the case:** * The brand is a known Truemed partner and other products from them do show as eligible at checkout. * The product you want is clearly health-related (for example, a fitness tracker, a supported supplement, or a recovery device). **What to do:** Reach out to Truemed support at [support@truemed.com](mailto:support@truemed.com) and share the product name and URL. Truemed's team will work with the merchant to evaluate whether the product qualifies and, if so, get it added to the system. --- ## Purchasing on a third party or non-partner website Truemed's integration is built directly into partner merchants' checkout flows. This means it only works when you are shopping on the brand's own website. If you find a Truemed-eligible product on a third-party retailer like Amazon, Best Buy, Walmart.com, or another marketplace, you will not see the HSA/FSA option at that retailer's checkout. This is true even if the exact same product is eligible when purchased directly from the brand. **What to do:** Go directly to the brand's website to make your purchase. For example: * If you want an eligible Garmin device, purchase it at **garmin.com** rather than through Amazon or a third-party seller. * If you are shopping for a supplement brand that partners with Truemed, buy from the brand's direct site. Shopping directly from the brand ensures you have access to Truemed's checkout and can apply your HSA/FSA funds at the point of sale. If you have already purchased on a third-party site, you can reach out to them to see if they can process a refund or cancel your order, allowing you to repurchase directly from the merchant's website using Truemed at checkout. --- ## What to do next Here is a quick summary of next steps based on your situation: | Situation | What to do | | ----------------------------------------------------------- | ------------------------------------------------------------------------------------------------ | | Product should be eligible but has no HSA/FSA option | Contact [support@truemed.com](mailto:support@truemed.com) to request product categorization | | Shopping on Amazon, Best Buy, or another third-party site | Go to the brand's direct website to purchase instead | | Product exists on a partner brand's site but isn't eligible | Look for an eligible alternative, or purchase with a regular card | | Not sure if the brand is a Truemed partner | Browse [truemed.com](https://truemed.com) to find confirmed partner brands and eligible products | If you are unsure which situation applies to you, reaching out to [support@truemed.com](mailto:support@truemed.com) is always a good place to start. Include the product name, a link to the product page, and a description of what you are seeing at checkout. Truemed's support team can confirm whether the product is eligible, whether it's an uncategorized SKU, or whether you need to shop elsewhere. --- *Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at [truemed.com/disclosures](https://truemed.com/disclosures).*