What Is Truemed? How Truemed Lets You Use HSA/FSA Funds on Eligible Health Purchases

Truemed is a platform that enables qualified customers to use HSA and FSA funds on eligible products by supporting the medical necessity process when required.

In simple terms, Truemed bridges the gap between modern health brands and the traditional rules governing HSA and FSA spending. Instead of limiting you to a short list of pre-approved medical expenses like prescriptions and bandaids, Truemed’s process helps determine when certain products may qualify as eligible health expenses based on individual medical need.

Truemed works behind the scenes to make compliant HSA/FSA spending easier for both customers and brands.

For qualified customers, Truemed:

• Helps qualified customers access health interventions by facilitating a process for qualified customers to use pre-tax HSA/FSA dollars on health tools that may not automatically qualify for HSA/FSA spend
• Simplifies the eligibility and checkout experience
• Helps ensure purchases align with IRS guidelines when medical necessity applies

For brands, Truemed:

• Enables HSA/FSA acceptance without requiring customers to self-navigate eligibility rules
• Supports a compliant medical necessity workflow
• Helps reach customers actively looking to spend pre-tax health dollars

Rather than replacing HSAs or FSAs, Truemed integrates into the existing ecosystem to make those funds stretch even further.

When a brand uses Truemed’s integrated checkout, eligibility is determined during the purchase process to help ensure compliant HSA/FSA spending.

Browse Truemed.com to discover health brands that may be eligible for HSA/FSA spending for qualified customers. When you find a product you’re interested in, click “Shop Now” to visit the brand’s website and add the item to your cart.

At checkout, choose “Truemed – Pay with HSA/FSA.” You’ll then be prompted to complete an intake survey about your health history and needs. This information is used to determine whether the purchase may qualify as medically necessary.

After you complete the survey, you’ll enter your payment details and place the order. From your perspective, you’ve paid, but the transaction is temporarily held while eligibility is determined.

An independent, licensed clinician reviews your intake survey:

• If the provider determines that the product is medically necessary based on your health information, an LMN is issued and the transaction goes through normally (the hold is completed).
• If the provider determines that the product is not medically encessary, and thus not eligible for HSA/FSA spending, then an LMN is not issued and the transaction is reversed (the hold is released), and you’ll need to use a different payment method to complete the purchase.

If an LMN is issued, it’s sent to the email address you provided. Remember to save your LMN and receipt for your records.

Some Truemed partners aren’t set up to accept HSA/FSA payments directly on their website, even though their products may still be eligible for HSA/FSA spending.

In these cases, you’ll complete the health intake step described above and then check out using your regular credit or debit card.

If you receive a Letter of Medical Necessity (LMN) confirming eligibility, you can submit your receipt and your LMN to your HSA/FSA administrator to request reimbursement.

Once issued, an LMN is typically valid for up to 12 months and may be used for future reimbursement requests for the same eligible products, depending on your administrator’s requirements. Reimbursement timelines vary, but claims are often processed within a few days to a few weeks.

If you need help, Truemed is here to guide you through the reimbursement process.

Truemed helps expand access to a wide variety of potentially eligible health tools when determined to be medically necessary.

Depending on the brand and individual qualification, this may include categories such as:

• Fitness Equipment
• Gym & Studio Memberships
• Supplements
• Red Light and Recovery Tools

Eligibility is always determined on an individual basis, and not every product or purchase will qualify. Check your plan rules for more details.

Truemed is ideal for people who:

• Have unused HSA or FSA funds
• Want to spend pre-tax dollars more intentionally
• Are looking to invest in their health beyond typical medical care

Truemed also supports brands that want to:

• Offer HSA/FSA payments to customers
• Increase accessibility to their products
• Stay aligned with IRS and medical necessity requirements

Whether you’re a customer or a brand, Truemed helps connect modern health spending with established benefit structures.

Yes, Truemed is built with compliance in mind.

HSA and FSA eligibility is governed by IRS rules, which often require that certain products be deemed medically necessary for an individual. Truemed supports this process by incorporating medical review and appropriate documentation where required.

Importantly:

• Truemed does not guarantee eligibility for every purchase
• Medical necessity determinations are made by licensed professionals
• The platform is designed to align with current IRS guidance

This focus on compliance helps protect both consumers and brands.