HSA/FSA Eligible Supplements

Yes, supplements may be HSA/FSA eligible for qualified customers when accompanied by a Letter of Medical Necessity (LMN). Under IRS Publication 502, supplements aren't automatically considered qualified medical expenses. However, with an LMN from a licensed clinician, supplements like protein powder, omega-3s, vitamin D, magnesium, probiotics, and greens powders may be eligible for HSA/FSA spending, helping qualified customers save an average of 30% on their purchase.

Eligibility is contingent on your personal health history and needs and requires substantiation by licensed medical professional. Common conditions that may support medical necessity for supplements include nutritional deficiencies, gut and digestive concerns, metabolic and hormonal conditions, musculoskeletal issues, and immune dysfunction. General wellness goals, like wanting more energy or better skin without an underlying condition, do not, on their own, meet the IRS standard for HSA/FSA eligibility.

Typically, yes. Most supplements require an LMN to be considered a qualified medical expense, because they aren't automatically covered under IRS Publication 502, which defines qualified medical expenses as products or services used to diagnose, cure, mitigate, treat, or prevent disease. When you check out through Truemed, you'll complete a health intake survey, and an independent licensed clinician will review your responses. If medical necessity is supported, you'll receive an LMN that makes your supplement purchase eligible for HSA/FSA payment or reimbursement.

AG1, and other super greens supplements, may be eligible for HSA/FSA spending for qualified customers when a licensed clinician determines it's medically necessary for your specific health situation. When you shop AG1 through Truemed, you'll complete a health intake survey at checkout, which is reviewed by an independent licensed practitioner. If your purchase qualifies, you'll receive a Letter of Medical Necessity that supports HSA/FSA payment or reimbursement on AG1.

Yes, qualified customers can use HSA/FSA funds on supplement subscriptions from Truemed partner brands. Your Letter of Medical Necessity covers eligible purchases from that merchant for the 12-month validity window, including recurring orders. Once your LMN expires, you'll need to renew it to continue applying HSA/FSA funds to your subscription. Truemed recommends checking your LMN's expiration date and renewing before expiration to avoid a gap in coverage.

Qualified customers save an average of about 30% when paying with pre-tax HSA/FSA dollars instead of post-tax money. Actual savings vary based on your individual tax rate. For example, on a $100 monthly supplement order, a 30% effective savings rate works out to roughly $30 back per month, or about $360 a year on a single recurring product. HSA/FSA tax savings vary; learn more at truemed.com/disclosures.