Frequently Asked Questions

• HSAs are usually linked to a high-deductible health plan and the funds don’t expire. They roll over year to year and are often managed through a provider your employer sets up.

• FSAs are separate from your insurance plan and are typically funded during your employer’s open enrollment (usually in the fall). FSA funds expire at the end of each calendar year if unused.

If you’re not sure whether you have an HSA or FSA, your HR department or health benefits provider can help clarify.

HSA and FSA accounts were created to help individuals use pre-tax dollars for health-related expenses, including those used to treat, mitigate, or prevent a diagnosed medical condition. This means you’re able to use money before it’s taxed, giving you more purchasing power for the care your body needs.

Rather than paying taxes on your income and then spending what’s left on wellness products, qualified individuals can use tax-free funds to invest directly in their health.

For 2024, the annual contribution limits are:

• HSA: Up to $3,850 for individuals, or $7,750 for families — with an extra $1,000 if you’re over 55

• FSA: Up to $3,050, with an additional $500 in allowable employer contributions

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Depending on your state and tax bracket, this can mean $1,000–$2,000 in annual savings.

Some products or services require a Letter of Medical Necessity (LMN) in order to qualify for HSA/FSA reimbursement. This letter is usually written by a licensed healthcare provider and states that the item or service is medically necessary to treat or manage a diagnosed condition.

If you’re purchasing Wisdom of the Womb products for a specific health concern—such as menstrual pain, cramping, low back pain or perimenopausal symptoms—TrueMed can help facilitate this process. You’ll simply complete a brief survey after checkout to determine eligibility.

Once approved, your LMN will be used to process your reimbursement through your HSA/FSA provider.

Yes! You can use your HSA or FSA card directly at checkout.

Once you’ve completed your purchase and filled out the quick eligibility survey, you’ll receive a Letter of Medical Necessity via email. Just hold onto that letter for your records — it’s recommended to keep it on file for at least three years, in case your HSA/FSA provider requests documentation.

Yes — if you prefer, you can use your regular credit or debit card at checkout.

After your purchase, we’ll send you step-by-step instructions for submitting your receipt and Letter of Medical Necessity to your HSA/FSA administrator for reimbursement.

Need more guidance? Check out this article for a detailed overview of the reimbursement process.

You’ll usually receive your Letter of Medical Necessity within 24–48 hours after completing your survey.

If you don’t see it in your inbox, be sure to check your spam or promotions folder. Still can’t find it? Reach out to support@truemed.com and their team will be happy to help.

If you don’t qualify right now, don’t worry — you can reapply for HSA/FSA eligibility at a later date.

Your health needs may evolve, and TrueMed allows for resubmission when you’re ready.

If your payment is declined or your reimbursement is denied, don’t worry — reach out to the TrueMed team at team@truemed.com, and they’ll help you troubleshoot the issue.

Some HSA/FSA administrators have specific documentation requirements, and it may be as simple as reissuing your Letter of Medical Necessity using your administrator’s preferred form.

Yes — but you’ll need to wait for open enrollment, which typically takes place during the last few months of the year.

During this period, you can elect to increase your HSA or FSA contributions through your employer. Then, beginning January 1st, qualified individuals can spend their full elected amount on eligible products — including those recommended by a licensed practitioner to treat, mitigate, or prevent a diagnosed medical condition.

These funds are pre-tax and are typically deducted from your paycheck in equal installments throughout the year, giving you both upfront access and long-term savings.