HSA/FSA Eligible Gut Health Products

Some probiotics may be HSA/FSA eligible, but it depends on how you use them and what you’re using them for. The IRS generally categorizes probiotics as supplements, which may be eligible when they’re used to treat or prevent a specific medical condition, rather than for general gut health.

That means you’ll need a Letter of Medical Necessity (LMN) from a healthcare provider, showing why the probiotic is medically necessary for your individual needs.

With Truemed, an independent licensed clinician through Truemed's independent clinical partner reviews your medical history. If you qualify, they issue the LMN, which you can use to pay with your HSA/FSA debit card or submit with your receipts for reimbursement.

Yes, gut microbiome tests can be HSA/FSA eligible when they’re used to diagnose, treat, or manage a specific medical condition. At-home tests purchased for general wellness are typically not eligible, so you’ll likely need documentation from a healthcare provider showing why the test is medically necessary. This is called a Letter of Medical Necessity (LMN).

Truemed can help you determine whether you qualify. An independent licensed clinician through Truemed's independent clinical partner reviews your medical history and, if appropriate, issues an LMN to support your HSA/FSA purchase.

Conditions such as irritable bowel syndrome (IBS), inflammatory bowel disease (IBD), Crohn’s disease, ulcerative colitis, recurrent yeast infections, and chronic constipation may support HSA/FSA eligibility when a product is used to treat or manage the condition.

A diagnosis alone doesn’t make every gut health product eligible. The product needs to be connected to your treatment or management plan, and you may need documentation showing why it’s medically necessary.

Truemed can help determine whether you qualify for an LMN based on your individual medical needs. Learn more at truemed.com/disclosures.