Garmin®
Garmin Instinct 3 - 45mm AMOLED Rugged GPS Smartwatch
$349.99
Pay with your HSA/FSA · Final price confirmed at checkout
The Garmin Instinct 3 is a rugged 45mm GPS smartwatch with a bright AMOLED display, built to track health metrics, fitness activity, and outdoor navigation in a durable, all-conditions design.
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How to use your HSA / FSA funds with Truemed
Make your purchase
Do not pay with an HSA/FSA card during checkout. After your purchase, check your confirmation screen or receipt email for a link to the Truemed survey.
Complete health assessment
Take a private health survey. A licensed provider will review your answers to determine eligibility. If eligible, you'll receive a Letter of Medical Necessity (LMN) within 1-2 days. Note: The survey must be taken on the same day as your purchase.
Submit for HSA/FSA reimbursement
Follow the guide included with your LMN to submit your purchase for reimbursement. Claims are usually paid out in 2-4 weeks.
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All products on Truemed are HSA/FSA eligible for qualified customers — so you can invest in what matters without the out-of-pocket cost.