FSA (Flexible Spending Account) and HSA (Health Savings Account) are special accounts that let you set aside pre-tax money for qualified medical expenses. The main difference is that FSAs are usually set up by your employer with “use it or lose it” funds each year, while HSAs are tied to high-deductible health plans and roll over year after year.

Yes, in most cases you can use your HSA or FSA card at checkout if the product qualifies. If you’re unsure whether a mattress is eligible, you may want to check with your HSA/FSA provider.

Absolutely. We accept all major credit cards as well as other standard payment methods. You can choose the option that works best for you at checkout.

A Letter of Medical Necessity (LMN) is a document from your healthcare provider stating that a specific product (like a mattress) is required for your medical condition. Some HSA/FSA administrators may ask for this documentation to approve your purchase. Having an LMN helps ensure your expense is fully compliant with IRS guidelines.

There is no cost to you, as long as you are shopping with a Truemed partner merchant.

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!

Generally it takes 2-5 hours. In some cases, Truemed’s provider team will require additional time to issue a letter of medical necessity based on the needs associated with an individual qualification survey. If you aren’t seeing your letter in your inbox, check spam, then reach out to us at support@truemed.com for help.

Unfortunately, Truemed’s services are for individuals who have HSA or FSA accounts (or plan to fund one during open enrollment). We encourage you to ask your employer about information on your HSA or FSA!