Using HSA/FSA (TrueMed)Updated 16 days ago
Can I use my HSA/FSA funds at checkout?
Yes — eligible purchases can be made using HSA/FSA funds through TrueMed.
TrueMed helps determine eligibility and provides documentation needed for reimbursement.
What is an HSA?
An HSA (Health Savings Account) is a tax-advantaged savings account used to pay for qualified medical expenses. HSAs are typically available to individuals enrolled in a high-deductible health plan (HDHP).
What is an FSA?
An FSA (Flexible Spending Account) is an employer-sponsored benefit account that also allows you to use pre-tax funds for qualified medical expenses.
What are the key differences between an HSA and an FSA?
HSA
Requires enrollment in a high-deductible health plan (HDHP)
Funds can roll over year to year
Account is owned by the individual and is portable between jobs
Contributions may be tax-deductible and can grow tax-free
FSA
Does not require an HDHP
Usually must be used within the plan year (or a limited grace period)
Account is employer-owned and typically not portable
Limited investment options
Can I just use my HSA/FSA card at checkout?
In some cases, yes — but for the smoothest experience, we generally recommend using a personal credit or debit card and then submitting for reimbursement.
This typically provides the highest likelihood of success depending on your HSA/FSA administrator.
How does TrueMed work?
After you enter your payment details, TrueMed will guide you through a short health survey to determine eligibility.
If approved:
Your payment will be completed after the survey
You’ll receive a Letter of Medical Necessity (LMN) by email within several days
You can use that LMN to support reimbursement through your HSA/FSA provider
We recommend saving your LMN and receipt for at least 3 years for your records.
How long does HSA/FSA reimbursement take?
Most HSA/FSA administrators approve reimbursements within a few days once you submit your documentation, but timing can vary depending on your provider.
What if I don’t have enough funds in my HSA/FSA account?
No problem — you may still be able to submit for partial reimbursement.
For example, if your purchase is $100 and your HSA/FSA account has $60 available, you may be able to reimburse $60 using tax-free funds and pay the remaining amount normally.
What if I don’t have an HSA/FSA card?
You can still place your order using your personal credit card. After purchase, TrueMed will provide the documentation needed to submit for reimbursement through your HSA/FSA provider.
Am I a good fit for this payment option?
This option may be a good fit if you:
Have an active HSA or FSA account, and
Are purchasing products to support general wellness or help address a health-related goal
If you’re unsure about eligibility, we recommend checking with your HSA/FSA provider.