HSA and FSA funds are pre-tax, which means you can pay for eligible expenses with money that has not been subject to income tax. Qualified customers save an average of 30%, depending on their individual tax rate.*

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are tax-advantaged accounts that allow you to set aside pre-tax dollars for qualified medical expenses. HSAs are generally available with qualifying high-deductible health plans and roll over year to year, while FSAs are typically employer-sponsored and may have limits on how much money rolls over.

Qualified customers may be able to use HSA/FSA funds toward eligible StretchLab services through Truemed. You’ll complete a brief Health Assessment that is reviewed by an independent licensed clinician to determine whether your purchase qualifies as medically necessary. Eligibility is determined on an individual basis.

Yes. Depending on the checkout flow, you can pay with a regular credit or debit card and then submit the required documentation to your HSA/FSA administrator for reimbursement. If you’re purchasing a recurring membership or subscription, Truemed generally uses this reimbursement process rather than direct HSA/FSA card billing.

A Letter of Medical Necessity (LMN) is documentation from an independent licensed clinician confirming that a specific product or service is medically necessary for an individual’s health needs. When required, an LMN helps establish the expense as eligible for HSA/FSA payment or reimbursement under IRS guidelines. Your HSA/FSA administrator has final authority over reimbursement decisions.

There is a one-time $15 fee for the Health Assessment to determine your eligibility.

You can use HSA/FSA funds for qualified medical expenses throughout the year. HSA funds generally roll over from year to year, while FSA funds may be subject to your employer’s plan deadlines and rollover rules. Check your specific plan to understand when your funds need to be used.

An independent licensed practitioner typically reviews your health intake within 24 to 48 hours. If approved, you’ll receive access to your Letter of Medical Necessity through Truemed.

Truemed’s HSA/FSA savings require access to eligible HSA or FSA funds. If you don’t currently have an account, you can still purchase StretchLab services using a regular payment method, but you won’t receive the HSA/FSA tax savings. During open enrollment, you may want to explore whether an FSA or HSA-eligible health plan is available to you.

No. Truemed is currently available only to customers in the United States because HSA and FSA accounts are tied to U.S. tax law.