How fast will I get my LMN?

Most letters are delivered within 48 hours of payment. Rush delivery in 24 hours is available upon request.

What if my employer or HSA administrator rejects the letter?

We offer a full $199 money-back guarantee. If your administrator does not accept the letter, email us and we refund in full.

Can I use one letter for multiple purchases?

Yes. One letter covers all spending within one wellness category for 12 months. You can use it for any number of eligible transactions with the same type of service.

No. We provide a physician-signed medical document. HSA/FSA eligibility decisions are made by your plan administrator. Consult a tax professional for personal tax advice.

Make your wellness tax-free.

A physician-signed Letter of Medical Necessity makes any wellness service HSA and FSA eligible. One letter. Valid 12 months.

$199 per letter · Valid 12 months

Physician-reviewed 16 categories Money-back guarantee

Step 1

What wellness expense do you want to make tax-free?

Select a category. Your letter will cover all related services for 12 months.

How It Works

Three steps to tax-free wellness

Choose your category

Pick the wellness service you want to make HSA/FSA eligible. Gym, yoga, massage, supplements, and more.

See your savings

Our calculator shows exactly how much you will save in taxes each year. Most people save $500+ annually.

Get your letter

Complete a brief health intake. Our physician reviews and signs your LMN. Delivered to your email within 48 hours.

Step 2

Here is what you would save

Live example below. Adjust your spend and tax rate — the savings update instantly.

Built on clinical integrity

Physician-signed

Every letter is reviewed and signed by a licensed physician. Not a nurse practitioner, not a chatbot.

IRS compliant

Letters follow IRS Publication 502 and Section 213(d) guidelines. Valid for HSA, FSA, and HRA accounts.

Valid 12 months

One letter covers a full year of the same wellness service. Renew annually for continued eligibility.

Money-back guarantee

If your HSA/FSA administrator does not accept the letter, we refund your $199 in full. No questions.

Questions

Frequently asked questions

For Wellness Brands

Offer tax savings to your members

Partner with HSA Letter so your clients can use HSA/FSA funds to pay for your services. Increase retention, reduce price sensitivity, and stand out from competitors.

White-label LMN flow for your site

Revenue share on each letter

Turnkey API integration

Increase member retention 20%+

Partner With Us

For Developers

Connect HSA Letter to Claude

Use the SolvingHealth MCP connector to integrate LMN generation, HSA savings calculations, and wellness eligibility checks directly into your Claude workflows.

LMN generation via natural language

HSA/FSA savings calculator tool

Eligibility lookup across 16 categories

Physician attestation workflow

View MCP Connector

HSA Letter vs. Competitors

Why HSA Letter vs. Truemed or going direct to your doctor

Feature	HSA Letter ($199)	Truemed	Your own doctor
Physician signs the letter	Yes — MD/DO	Yes	Yes — if they agree
Delivery time	48 hours (24 rush)	Varies by merchant	Weeks (appointment required)
Works for any wellness category	Yes — 16 categories	Partner merchants only	Depends on doctor
Money-back guarantee	Full $199 refund	Not published	No (visit fee kept)
Cost	$199 flat	Free but limited to partners	$150–300 office visit
Valid for	12 months	Varies	Varies

Truemed pricing and coverage based on public information as of April 2026. Your doctor's willingness to write an LMN varies. This is not tax advice — confirm eligibility with your plan administrator.