BackBadger is HSA/FSA Eligible

What is Truemed?

Truemed is a payment tool that we’ve partnered with that allows health and wellness brands like BackBadger to accept HSA/FSA funds as payment. Truemed facilitates the payment and reimbursement of HSA/FSA funds toward qualified health and wellness purchases. They also work with you along the way to make it as easy as possible to use your HSA/FSA funds to buy our products.

Learn more about Truemed here. They help make wellbeing more accessible for people, and we think that’s awesome.

What are FSA and HSA accounts?

Health savings accounts (HSA) and flexible spending accounts (FSA) are programs that allow you to set aside pre-tax dollars for eligible healthcare expenses. If you’re unsure whether or not you have an HSA or FSA account, please check with your employer or insurance company.

Can I use my HSA/ FSA at BackBadger?

Yes, simply select Truemed as your payment option at checkout and use your FSA or HSA card as you would any other credit card. You can also pay with a regular credit or debit card. 

Can I use my regular credit card at checkout?

Yes. If you prefer to use your regular credit or debit card, Truemed will send you instructions on how to submit for reimbursement from your HSA//FSA administrator. 

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 medical expenses in the same way a visit to the doctor’s office or pharmaceutical product is.

There are thousands of studies showing food and exercise is often the best medicine to prevent and reverse disease. Exercise qualifies as a qualified medical expense with an LMN. Food, supplements, and other wellness purchases qualify as medical expenses if they treat or prevent an illness, and a doctor substantiates the need. Your Truemed LMN satisfies all IRS requirements to make your wellness spend fully reimbursable.

Why isn’t my 30% discount for using HSA / FSA funds showing up in my shopping cart?

Your savings come from using your pretax dollars to make a qualifying HSA/FSA purchase. You will not see this as a discount in our shop. 

HSA/FSA accounts were created so individuals could use pre-tax money to pay for expenses used to treat, mitigate, or prevent a diagnosed medical condition. Because HSA/FSAs use pre-tax money, you’re getting more purchasing power for your dollars. Rather than pay taxes on income and then spend it on health items, qualified customers can use pre-tax funds to invest in their health. Pretax shopping saves people an average of 30% on their qualified health and wellness purchases. 

Here’s a nifty chart to help you visualize your HSA/FSA savings.

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 HSA/FSA eligibility is denied on my order?

If your purchase goes through Truemed’s evaluation process and is not deemed as a qualified HSA/FSA purchase, Truemed will let you know via email. Your order will not go through and your payment method will not be charged.

If you’d like to receive more in depth guidance about eligibility, please contact support@truemed.com 

When should I use my FSA/HSA dollars?

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!

How long does it take for me to receive my Letter of Medical Necessity?

Generally it takes 24-48 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 support@truemed.com for help.

What if my reimbursement is rejected by my HSA/FSA administrator?

Please contact support@truemed.com so we can help you troubleshoot the issue. HSA/FSA plan administrators often have detailed requirements, so it may be as simple as re-issuing your Letter of Medical Necessity using the administrator’s form.

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!

I don’t live in the US. Can I still get reimbursed with Truemed?

Unfortunately, Truemed is currently only available in the United States.