Checking out with Truemed is easy!
Complete Health Assessment
Take a quick, 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.
Make your purchase
Do not pay with an HSA/FSA card during checkout.
Submit for HSA/FSA reimbursement
If you qualify, you'll receive an LMN and a guide on how to submit your purchase to your HSA/FSA administrator for reimbursement. Claims are typically paid out in 1-2 weeks.
How does using my HSA/FSA save me money?
HSA/FSA accounts were created so individuals could use pre-tax money to pay for expenses used to treat, mitigate, or prevent a diagnosed medical condition.
Because HSA/FSAs use pre-tax money, you're getting more purchasing power for your dollars. Rather than pay taxes on income and then spend it on health items, qualified customers can use pre-tax funds to invest in root cause interventions.
Who is Truemed?
At Truemed, we believe that investing in your health is far more valuable than waiting to spend on sickness. By unlocking pre-tax HSA/FSA spend on research backed interventions such as fitness, supplements, and health technology, we're shifting healthcare spend toward true medicine.
Common Questions
How does using my HSA/FSA account save me money?
HSA/FSA accounts were created so individuals could use pre-tax money to pay for expenses used to treat, mitigate, or prevent a diagnosed medical condition. Because HSA/FSAs use pre-tax money, you're getting more purchasing power for your dollars. Rather than pay taxes on income and then spend it on health items, qualified customers can use pre-tax funds to invest in their health. An individual can contribute up to $4,150 pretax to their HSA per year, or $8,300 for a family (plus an additional $1,000 if you are at least 55 years old. Individuals can contribute up to $3,200 pretax to their FSA per year (with an additional $500 in employer contributions allowed).
What are FSA and HSA accounts?
Health savings accounts (HSA) and flexible spending accounts (FSA) are programs that allow you to set aside pre-tax dollars for eligible healthcare expenses. If you're unsure whether or not you have an HSA or FSA account, please check with your employer or insurance company.
Can I use my HSA/ FSA card at Force USA?
We do not recommend attempting to checkout with your HSA/FSA cards for compliance purposes. We strongly encourage simply transacting with your normal credit or debit card, and submitting for reimbursement as outlined above for the greatest likelihood of success.
Can I use Truemed's services for past purchases?
While this depends on your specific HSA or FSA administrator's policies, we advise that you only submit expenses incurred on or after the date listed on your Letter of Medical Necessity.
How long does HSA or FSA reimbursement take?
For most FSA/HSA administrators, your expenses will be approved within days when you submit your claim for reimbursement along with your receipt and a Letter of Medical Necessity. The exact timing will vary based on your administrator.
Do I need to take Truemed's survey every time I make a purchase from [Merchant Name]?
If you have already received a Letter of Medical Necessity for purchasing specific products from a merchant, you do not need to complete Truemed's survey again so long as your Letter of Medical Necessity remains valid. Letters of Medical Necessity are typically valid for 12 months after they are first issued. You do still need to submit your receipts for reimbursement with your HSA/FSA administrator.
What is a Letter of Medical Necessity, and how is this compliant?
The items in your Truemed Letter of Medical Necessity ("LMN") are now qualified medical expenses in the same way a visit to the doctor's office or pharmaceutical product is. There are thousands of studies showing food and exercise is often the best medicine to prevent and reverse disease. Exercise qualifies as a qualified medical expense with an LMN. Food, supplements, and other wellness purchases qualify as medical expenses if they treat or prevent an illness, and a doctor substantiates the need. Your Truemed LMN satisfies all IRS requirements to make your wellness spend fully reimbursable.
Are there fees associated with using Truemed's services?
There is a small fee for using Truemed at the end of the qualification survey.
When should I use my FSA/HSA dollars?
You can use your HSA/FSA dollars all year long. However, FSA dollars expire at the end of the year and unused money may not rollover into the next year. Make sure to spend the rest of your FSA dollars before December 31st - use it, so you don't lose it!
I don't have enough funds in my HSA/FSA account to reimburse the entire purchase. Can I still use Truemed?
Yes. You can still submit for partial reimbursement. For example: if you purchase an eligible item for $100 but only have $60 in your account, you can reimburse $60 of your purchase with your tax-free funds (with the remaining $40 paid for as normal).
What if my reimbursement is rejected by my administrator?
Please contact us at support@truemed.com so we can help you troubleshoot the issue. HSA/FSA plan administrators often have detailed requirements, so it may be as simple as re-issuing your Letter of Medical Necessity using the administrator's form. If we are unable to reverse the rejection, we will refund your Truemed fee.
