How Do I Use Promo Codes To Save on Health-Related Purchases?

• While you may already be familiar, a digital coupon is a discount applied electronically at checkout online, on an app, or in store.
• Examples of digital coupons include: promo codes, automatic discounts, app-only discounts, or loyalty pricing.
• You can typically only use one code at a time, though stacking rules generally vary by store.
• Some digital coupons may not apply to subscriptions, bundles, clearance items, shipping charges, or may require you spend a minimum amount.

• Brand emails/texts
• Retailer promos
• Reputable coupon sites
• Creator partnerships

Here’s a simple checklist you can follow when you shop with promo codes:

Confirm that you have the correct product and seller.

Check promo code terms: expiration, if there’s a minimum spend, if it only applies for a first time order, and any category exclusions.

Apply the code in the correct field (whether that’s when you add to cart or at checkout depending on the site), and double check your total.

Compare options: See what will actually save you the most—percentage off, dollars off, versus free shipping—before you check out.

Screenshot or save confirmation details of your order in case the discount disappears later.

Save your final receipt or invoice showing the total discounted amount, to submit accurate claims to your insurance if needed.

• Brand or site discounts: These include email sign-up discounts, bundles, or seasonal sales.
• Retailer promotions: These can be sitewide codes, promotions by category, or auto-applied deals.
• Subscriptions discounts: These are discounts for subscribing to a site or service—be sure to check pricing and cancellation terms to see if it’s easy to cancel.
• Loyalty programs and reward points: These may be better for savings over time than one-off codes.
• Student, teacher, and military discounts: When offered, these discounts can also help you save, though verification may be required.
• Pharmacy discount programs: Pharmacy discount programs can be pharmacy cards from retailers or third-party pharmacy retailer discount cards or apps. These are often a separate category with rules that can be different from retail promo codes and generally can’t be combined with insurance, so be sure to check eligibility.

• Prescription discount programs are generally cards that offer savings for certain prescription and generic medications, while OTC coupons on retail sites can apply to a variety of OTC products and medications such as pain relievers, first aid supplies, and more.
• Some Medicare Advantage and Medicaid plans may also provide members with a pre-loaded card with a certain allowance per quarter to spend on OTC medications.
• Note that pharmacy coupon prices can vary by pharmacy and location.
• If you’re using coupons, coupons may have varying rules and may not stack with other discounts, your insurance, or manufacturer offers. It’s a good idea to check terms and your plan’s rules on reimbursement when using coupons or promo codes.
• Consider comparing prices at multiple pharmacies and exploring various coupon options when available to ensure you’re getting the best price and savings available.
• Make sure you keep receipts that reflect what you paid.

You can generally use promo codes with HSA and FSA funds for eligible items—but it’s important to note that your HSA/FSA funds will likely only reimburse you for what you paid out-of-pocket after discounts, not the original sticker price of the item. Promo codes and discounts for OTC products can often be found on FSA/HSA online stores and marketplaces and other major retailers. For instance, with Truemed’s marketplace, shopping with your HSA/FSA funds could get you a promo code price on a full price item, as qualified customers can save an average 30%* with their pre-tax dollars. As always, be sure to check your plan’s rules and keep itemized receipts of all transactions using promo codes with HSA/FSA funds so you can submit accurate claims for reimbursement.

*Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures.

• Retailers and pharmacies will commonly offer discounts on vitamins and supplements such as “Buy one, get one free,” or discounts for subscribing.
• While these discounts may help you save on vitamins and supplements you regularly use, don’t buy in bulk if you’re unlikely to use them up before they expire.
• Compare the unit price of the supplements (per serving) before and after discounts to make sure you’re actually getting a good deal.

• Set a “default” savings stack: compare prices → add a valid promo code → check the free shipping threshold → check if you’re earning any rewards
• Time it wisely: Take advantage of major sale periods and refill reminders for your healthcare staples.
• To make the most of savings, consider using coupons for your must-haves, and avoid overspending on products just to hit a minimum and get a discount.
• Subscribe for a discount only when it truly lowers the cost or it’s something you use regularly—and make sure it’s easy to cancel if you no longer need it.
• Keep a running list of the best retailers or codes for healthcare products you buy repeatedly.

• Make sure you keep receipts and invoices that show what you actually paid for your items after discounts if you’re using HSA/FSA funds and need to submit a claim to your insurance for reimbursement.
• It’s also a good idea to check what products your insurance covers—eligiblity is generally separate from discounts. Discounts may also change reimbursement so be sure to check your plan rules.
• Avoid double-dipping: Don’t submit reimbursement for more than the amount paid after discounts.
• If you need to return or exchange any items, keep track of receipts so your records match the final outcome.

You may be able to use HSA/FSA funds along with promo codes for certain eligible health-related purchases (though plan rules can vary). With Truemed, qualified customers could save an average 30% when shopping with pre-tax dollars. Here’s how Truemed* can help.

• After filling out an initial clinical intake form, Truemed can connect you with an independent licensed practitioner who will review the form and can provide you with a Letter of Medical Necessity (LMN) when appropriate.
• While the independent licensed practitioner determines if an LMN is appropriate, your insurance plan makes all final reimbursement decisions.
• Qualified customers can shop HSA/FSA eligible products and services on Truemed such as supplements, fitness equipment, health tech, adaptive footwear, and more when used to manage a documented medical condition along with an LMN.
• Since Truemed allows qualified customers to shop directly from the brand, customers can take advantage of any discounts or promo codes that may be available on the brand’s site.
• Remember to keep itemized receipts that reflect any promo codes and discounts, along with your LMN when provided.

*Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures.