Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are tax-advantaged accounts that let you pay for qualified medical expenses using pre-tax dollars.

• HSA: Tied to high-deductible health plans, funds roll over yearly.
• FSA: Funded through employer benefits, use-it-or-lose-it yearly. These are only available in the United States, and generally not to the self-employed unless grandfathered in from prior employment.

You use pre-tax income, effectively giving you 20–35% more purchasing power, depending on your tax bracket. For example, someone spending $1,000 from their HSA is actually spending ~$1,300 of equivalent post-tax income.

An individual can contribute up to $3,850 pretax to their HSA per year, or $7,750 for a family (plus an additional $1,000 if you are at least 55 years old Individuals can contribute up to $3,050 pretax to their FSA per year (with an additional $500 in employer contributions allowed). Almost every qualified individual will save between $1,000 and $2,000, depending on their state and tax rate.

Truemed partners with brands to help customers use HSA/FSA funds on qualified wellness products that treat, mitigate, or prevent a diagnosed medical condition. They work with licensed practitioners who issue Letters of Medical Necessity (LMNs) for approved purchases.

What does Truemed look like in action?
Reimbursement flow video walk through
Payment integration flow video walk through

1. 1. Purchase a product from a Truemed partner (like HYDRAGUN).
2. 2. Complete the Truemed survey (you’ll be prompted after checkout)
3. 3. If approved, you’ll get a Letter of Medical Necessity (LMN).
4. 4. Submit your LMN + receipt to your HSA/FSA administrator for reimbursement.

A letter written by a licensed healthcare provider that confirms a product or service is necessary to treat or prevent a diagnosed medical condition. It’s often required by HSA/FSA administrators for reimbursement.

If you’re approved via Truemed’s survey, a licensed practitioner will issue the LMN. It’s typically valid for 12 months.

No — as long as your LMN is still valid and the product is covered, you do not need to complete the survey again. You’ll still need to submit your new receipt with your existing LMN.

We recommend you do not use your HSA/FSA card at checkout, as not all merchants or processors are set up for tax-compliant transactions.

✅ Instead: Pay with a normal card → complete the Truemed survey → submit LMN + receipt for reimbursement.

1. 1. Buy the product with a personal card.
2. 2. Fill out the Truemed survey after checkout.
3. 3. Receive your LMN (if eligible).
4. 4. Submit LMN + receipt to your HSA/FSA plan.
5. 5. Receive reimbursement directly from your HSA/FSA provider.

Typically within a few business days, depending on your plan administrator. You’ll need to submit both the receipt and LMN.

Only purchases made on or after the issue date of your LMN are eligible. Check your plan’s policy for exceptions.

You can still submit for partial reimbursement. For example, if your balance is $60 and the product is $100, you can claim the $60.

Reach out directly to Truemed at team@truemed.com. They’ll check your status or reissue your LMN if needed.

Contact Truemed at team@truemed.com. Your plan might need a specific form or additional documentation — Truemed can help resolve it.

Yes. HYDRAGUN products — like the HeatPod sauna blanket and StretchPad — are HSA/FSA-eligible through Truemed, if used for a qualifying health condition.

1. 1. Purchase the product on hydragun.com using your normal card.
2. 2. Complete the Truemed survey (shown post-checkout). If eligible, receive an LMN.
3. 3. Submit your LMN + receipt to your HSA/FSA provider for reimbursement.
4. 4. If you didn’t see the survey prompt, email us at support@hydragun.com — we’ll help you out.