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Truemed is a payment platform that helps qualified customers use Health Savings Account (HSA) or Flexible Spending Account (FSA) funds on eligible purchases. Customers shop directly with participating brands, while Truemed enables compliant HSA/FSA payment by coordinating independent practitioner evaluation and Letter of Medical Necessity (LMN) documentation. Truemed is not a healthcare provider and does not sell products. Learn more here.

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are tax-advantaged accounts used to pay for eligible healthcare expenses.

HSAs can typically be invested and roll over year to year. FSAs are employer-sponsored and may expire annually, depending on your plan.

Some Health Reimbursement Arrangements (HRAs) may also cover eligible expenses, depending on your employer’s plan and reimbursement rules. Learn more here.

When a purchase requires medical justification, Truemed connects qualified customers with an independent licensed clinician who reviews eligibility and may issue a Letter of Medical Necessity (LMN).

This documentation enables compliant use of HSA/FSA funds on eligible purchases. Customers purchase directly from the brand; Truemed enables compliant payment and documentation. Learn more here.

HSA and FSA funds are pre-tax dollars.

Normally, when you earn income, a portion goes toward federal and state taxes before you can spend it. For many people, that can be around 30%, depending on your individual tax rate.

When you use HSA or FSA funds on eligible purchases, those dollars are not taxed. That means you’re effectively saving the amount you would have paid in income taxes.

Your actual savings depend on your tax bracket. On average, customers save around 30%.

The process depends on the brand and product you’re purchasing.

For participating brands, Truemed guides you through a clinical intake form during or after checkout. No in-person visit required.

An independent licensed practitioner reviews your information and, if appropriate, issues a Letter of Medical Necessity (LMN) based on your individual health needs. 90% of LMNs are issued within 7 hours.

If approved, your LMN is stored in your Truemed account and can be used to support compliant HSA/FSA spending. Learn more here.