HSA / FSA Reimbursement

Find out more about how your purchase may be eligible for HSA / FSA reimbursement.

What Kroma products qualify for HSA / FSA reimbursement?

The 5- Day Reset program is currently the only Kroma Wellness product approved for reimbursement with a valid LMN.

Can I just use my HSA or FSA card at checkout?

You can attempt to use your HSA card, but your FSA card will likely not transact successfully. We strongly encourage simply transacting with your normal credit or debit card, and submitting for reimbursement as outlined above for the greatest likelih

What is Truemed?

Truemed partners with health and wellness brands to enable qualified customers to use HSA/FSA funds on health and wellness purchases. Truemed partners with a network of individual licensed providers who can issue Letters of Medical Necessity to quali

How does using my HSA/FSA save me money?

HSA/FSA accounts were created so individuals could use pretax money to pay for expenses incurred in the prevention or alleviation of a disease. Because HSA/FSA uses tax-free money, you’re getting more purchasing power for your dollars. Rather than pa

Why should I use my HSA/FSA funds with Truemed's partner brands?

Using your HSA/FSA funds on eligible products can result in significant savings. These accounts use pre-tax dollars, which means, if qualified by an independent licensed provider, you could save up to 30-40% on average on your purchases at Truemed’s

I don't have an HSA/FSA. Can I still benefit from TrueMed?

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!

What is a Letter of Medical Necessity, and how is this compliant?

The items in your Truemed Letter of Medical Necessity (“LMN”) are now qualified health expenses in the same way a visit to the doctor’s office or pharmaceutical product is. We are facing a chronic disease in the US. There are thousands of studies sho

What are HSA and FSA accounts anyway?

Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are tax-free accounts that can be used to pay for qualified health expenses. These accounts are usually set up and managed by an HSA or FSA administrator, and you should have access t

How long does HSA or FSA reimbursement take?

For most FSA/HSA administrators, your expenses will be approved within days when you submit it with your Truemed Letter of Medical Necessity. The exact timing will vary based on your administrator.

I don't have enough funds in my HSA/FSA account to reimburse the entire purchase. Can I still use Truemed?

Yes. You can still submit for partial reimbursement. For example: if you purchase an eligible item for $100 but only have $60 in your account, you can reimburse $60 of your purchase with your tax-free funds (with the remaining $40 paid for as normal)

What if my reimbursement is rejected by administrator?

Truemed offers a reimbursement guarantee for purchases with official Truemed merchant partners. As long as you have funds in your HSA or FSA account, Truemed team will work with you to ensure that your purchase is reimbursed in full.

Can I use Truemed's services for past purchases?

While the exact policy depends on your specific HSA or FSA administrator, we generally advise that you submit expenses incurred on or after the date listed on your Letter of Medical Necessity.

Do I need to use Truemed every time I make a purchase from a partner brand?

If you have already received an LMN for purchases with a partner brand, as long as your LMN is still valid (ie. within 12 months of issuance), you do not need to complete the survey again.

Are there fees associated with using Truemed's services?

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

What if I haven't contributed to my HSA or FSA? Will I still be able to maximize my savings?

For most Americans, open enrollment is in the last four months of the year. Simply elect to increase contributions to your HSA or FSA during this time and you can begin shopping with Truemed merchant partners. Starting on January 1st, qualified indiv

Can customers seek reimbursement for services rendered/products purchased in the past prior to their medical recommendation letter being issued?

Reimbursing purchases from the past prior to the LMN issuance is generally not allowed and not something Truemed recommends that customers do.

How is sales tax handled for HSA/FSA payments?

Sales tax is still charged and eligible to be paid by FSAs and HSAs. More information here.

What is an HSA/FSA? Where can I get one?

An HSA (Health Savings Account) and FSA (Flexible Spending Account) are tax-advantaged accounts that allow individuals to set aside money to pay for qualified health and medical expenses. These accounts are typically offered through employers. If you