Customers save their effective income tax rate by paying with pre-tax HSA/FSA dollars — an average of 30%. This isn't a discount on the product; you pay full price and the savings come from the tax advantage of your account. Exact savings depend on your individual tax rate.

A few common causes: you may be signed into Shop Pay (try checking out as a guest), the product may not yet be set up in Truemed's system, the product may not be HSA/FSA eligible, or you may be shopping on a third-party site like Amazon instead of the brand's direct site. Truemed only works on the merchant's own website. If none of those apply, contact support@truemed.com.

After completing the clinical intake form, your LMN is available in your Truemed dashboard at truemed.com. Most LMNs are issued within a few hours, though it can take up to 1–2 business days. If you haven't received it, check your dashboard status, look in your spam folder, and confirm you completed the full intake form. Still missing? Contact support@truemed.com.

Eligibility is determined by an independent clinician based on the health information you provided. For specific questions about your qualification outcome, please contact support@truemed.com.

Declines are usually related to your card or account, not Truemed. Check your account balance, confirm your card is active and not expired, and contact your card issuer for the decline reason. Alternatively, pay with a regular card and submit for reimbursement later using your LMN and receipt. If the issue persists, contact support@truemed.com.

Yes, via reimbursement. Pay for the subscription with a regular card, complete the qualification survey, then submit your LMN and receipt to your HSA/FSA administrator. The same LMN covers recurring charges for up to 12 months.

Some products include features beyond what's considered medically necessary (for example, a mattress with premium cooling technology). Truemed calculates the eligible portion using a comparable item approach, and your LMN and receipt will show the breakdown. Questions about specific amounts? Contact support@truemed.com.

Yes. Truemed's Split Pay feature lets you divide a single order across your HSA/FSA card and a regular credit or debit card. This is useful when your HSA/FSA balance doesn't cover the full order or when the order includes a mix of eligible and ineligible items. Split Pay is available for one-time purchases only, not subscriptions.

Submit your LMN and purchase receipt to your HSA/FSA administrator. The process varies by administrator but generally involves logging into their portal, navigating to the claims section, and uploading both documents. For help, contact support@truemed.com.

Truemed is only available to customers with an HSA or FSA account. Check with your employer's HR or benefits department about enrollment options, typically during open enrollment. Truemed cannot help open or fund an HSA/FSA account.