TrueMed partners with brands like Melody to help customers use their Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA) to purchase qualified health products. These accounts are funded with pre-tax dollars and are typically set up through your employer.

HSAs are linked to high-deductible health plans and allow you to roll over unused funds year to year. FSAs are independent of your health plan but must be used within the calendar year. If you're unsure whether you have one, ask your HR department or benefits administrator.

HSA and FSA accounts let you pay for eligible health products using pre-tax dollars. That means you can buy health-related products before taxes are taken out of your paycheck—giving you more value for your money.

Each year, individuals can contribute up to $3,850 to an HSA ($7,750 for families), plus an extra $1,000 if you’re 55 or older. For FSAs, the limit is $3,050, with the potential for an additional $500 in employer contributions. This typically results in $1,000–$2,000 in annual savings, depending on your tax rate and location.

A Letter of Medical Necessity (LMN) is a document provided by a licensed healthcare practitioner that explains how a product or service is used to treat, mitigate, or prevent a diagnosed medical condition. Many HSA/FSA administrators require this letter to approve your purchase.

Yes! You can use your HSA or FSA card directly at checkout. After your purchase, you'll receive a Letter of Medical Necessity to support your use of funds. Keep this letter for your records for at least three years in case your administrator requests it.

TrueMed does not currently support payment for subscription orders with your HSA/FSA card, but you can still get your free Letter of Medical Necessity after checkout and submit for reimbursement through your benefits provider!

Absolutely. If you choose to use a regular credit card at checkout, we’ll send you clear instructions on how to submit your receipt and documentation for reimbursement through your HSA/FSA administrator.

Yes, they do! At this time, TrueMed does not accept HSA/FSA card payments for subscription orders at checkout. However, you can still take advantage of the savings!

After placing your order, you’ll receive a free Letter of Medical Necessity, which you can submit to your HSA/FSA administrator for reimbursement.

Letters of Medical Necessity are typically sent within 24 to 48 hours. If you don’t see it in your inbox, please check your spam or junk folder. Still no luck? Reach out to support@truemed.com and we’ll assist you.

If your purchase doesn’t qualify under your HSA/FSA plan at this time, don’t worry. You can reapply later or use regular payment methods and seek reimbursement when eligible.

Just like a regular bank account, your HSA/FSA card will be declined if there aren’t enough funds. In some cases, you may be able to request a split invoice from the merchant so you can use both your HSA/FSA card and another form of payment.

If your payment is rejected, please contact us at team@truemed.com. Some administrators have specific requirements, and we can help reissue your Letter of Medical Necessity using their preferred format to resolve the issue.

Yes! Most employers offer open enrollment between October and December. During this time, you can choose to contribute to an HSA or FSA for the following year. Starting January 1st, you’ll be able to spend the full elected amount—even though the funds are deducted from your paycheck over time.