TrueMed is a third-party service that helps people use HSA/FSA funds for eligible health-focused expenses (including qualifying fitness expenses), when allowed by their plan. TrueMed works with licensed clinicians who review eligibility and, when appropriate, can issue a Letter of Medical Necessity (LMN) used for reimbursement submission.

HSA (Health Savings Account) and FSA (Flexible Spending Account) are accounts that let you set aside money for eligible health expenses. These funds are often pre-tax, which can increase your purchasing power. If you’re not sure whether you have an HSA or FSA, check with your employer or your benefits provider.

Because HSA/FSA funds are typically pre-tax, you may be able to pay for eligible expenses with dollars that haven’t been taxed the same way as normal income. Your exact savings depends on your tax situation and plan rules. (This is not tax advice — if you want to be precise, confirm with your tax professional.)

Usually, no — we do not recommend using your HSA/FSA card at checkout.
Best practice is to pay normally (credit/debit), then submit for reimbursement using the documentation provided through TrueMed, based on your plan’s requirements.

It depends on your specific HSA/FSA administrator’s rules. In many cases, reimbursement is only approved for expenses on or after the effective date listed on your Letter of Medical Necessity (LMN). When in doubt, follow your plan administrator’s policy.

Timing varies by HSA/FSA administrator. Many reimbursements are processed within several business days to ~2 weeks after you submit a complete claim, but it can be faster or slower depending on your provider and whether they request more documentation.

If you already have a valid LMN for purchases with a specific merchant (like 4Balance Fitness), you typically don’t need to repeat the eligibility assessment for every purchase as long as your LMN remains valid. You will still need to submit receipts/documentation to your HSA/FSA administrator for reimbursement.

A Letter of Medical Necessity (LMN) is documentation from a licensed clinician stating that a service may be medically appropriate for a person’s health situation. Some HSA/FSA administrators require an LMN to approve reimbursement for certain expenses (including some fitness-related expenses). Approval is ultimately determined by your plan/administrator, not the gym.

TrueMed may charge a processing fee at the end of the eligibility/qualification flow. You’ll see any fees before you submit payment in the TrueMed process.

You can generally use HSA/FSA funds throughout the year, but FSA funds often have “use-it-or-lose-it” rules and may expire based on your plan year. Check your plan’s deadlines so you don’t miss your window.

Yes — in many cases you can submit for partial reimbursement. Example: if an eligible expense is $100 but you only have $60 available in your HSA/FSA, you may be able to reimburse $60 and pay the remaining $40 normally.

If your reimbursement is rejected, your administrator may require additional documentation or a specific submission format. TrueMed support can often help troubleshoot or advise on next steps.
TrueMed Support: [email protected]

If you need help from our side (receipts, membership documentation, etc.), contact [email protected]