Qualify to save an average of 30% by paying with HSA/FSA

How to check out at Needed with HSA/FSA funds

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Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures

Pay with your HSA or FSA through Truemed.

One-time Purchases

Checkout

Find the Truemed logo during checkout. Exit the "Shop Pay" pop-up if prompted.

Complete Health Assessment

Take a private health survey. A licensed provider will review your answers to determine eligibility.


Note: Some pre-approved products may not require a survey and LMN

Make your purchase

Pay with your HSA/FSA card or a credit card. If you use a regular credit card, follow the guide included with your LMN to submit your purchase for reimbursement.

Subscriptions

Make your purchase

Do not pay with an HSA/FSA card during checkout. After your purchase, check your confirmation screen or receipt email for a link to the Truemed survey.

Complete Health Assessment

Take a private health survey. A licensed provider will review your answers to determine eligibility. If approved, you'll receive a Letter of Medical Necessity (LMN). Note: The survey must be taken on the same day as your purchase.

Submit for HSA/FSA reimbursement

Follow the guide included with your LMN to submit your purchase for reimbursement. Claims are usually paid out in 2-4 weeks.

How does using my HSA/FSA save me money?

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 root cause interventions.

Spending from

Bank Account

$100 From your wages
-$30 Paid in taxes*
$70 Available to spend

Spending from

HSA or FSA

$100 From your wages

No Taxes!

$100 Available to spend

Who is Truemed?

At Truemed, we believe that investing in your health is far more valuable than waiting to spend on sickness. By unlocking pre-tax HSA/FSA spend on research backed interventions such as fitness, supplements, and health technology, we’re shifting healthcare spend toward true medicine.

HSA/FSA Eligible Products

  • Prenatal Multivitamin Pro
    Prenatal Multivitamin Pro
    4.7
    Rated 4.7 out of 5 stars
    3,663 Reviews

    Our most comprehensive prenatal formula: Clinically-studied Prenatal Multivitamin Pro features optimal levels of 26 essential nutrients designed to fight nutritional depletion through fertility, pregnancy, and postpartum.*
    • 26 Nutrients
    • HSA/FSA Eligible⁂
    From $50.39/mo $62.99/mo
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  • Prenatal Multivitamin
    Prenatal Multivitamin
    4.7
    Rated 4.7 out of 5 stars
    3,663 Reviews

    22 nutrients in just 3 capsules, delivering 8x more nutrition than the average of leading prenatals†, at clinically studied dosages of key nutrients that make all the difference.*
    • 22 Nutrients
    • HSA/FSA Eligible⁂
    From $34.39/mo $42.99/mo
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  • Prenatal Collagen Protein
    Prenatal Collagen Protein
    4.8
    Rated 4.8 out of 5 stars
    1,497 Reviews

    Grass-fed and sustainably sourced hydrolyzed collagen peptides support amino acid needs, pelvic floor health, and healthy hair.*
    • Hydrolyzed Collagen
    • Pregnancy Safe
    • HSA/FSA Eligible⁂
    From $39.99/mo $49.99/mo
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  • Prenatal Pre/Probiotic
    Prenatal Pre/Probiotic
    4.9
    Rated 4.9 out of 5 stars
    533 Reviews

    Iron absorption, digestive comfort, and gut + vaginal microbiome support across fertility, pregnancy, and postpartum. Powered by Lactoferrin + clinically-studied strains.* 30B CFUs.
    • Lactoferrin
    • 30B CFUs
    • HSA/FSA Eligible⁂
    From $47.99/mo $59.99/mo
    Shop Now →
  • Prenatal Omega-3
    Prenatal Omega-3
    4.9
    Rated 4.9 out of 5 stars
    610 Reviews

    Our Omega-3 delivers 1,000 mg of DHA+EPA per serving — 2× more than most prenatal omega-3s to optimally support baby's brain development and maternal mood.*
    • 1,000 mg of DHA+EPA
    • Vegan Option
    • HSA/FSA Eligible⁂
    From $23.99/mo $29.99/mo
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  • Choline+
    Choline+
    4.9
    Rated 4.9 out of 5 stars
    338 Reviews

    Our vegan Choline+ supports baby's brain and cognitive development during pregnancy and after birth.*
    • Vegan
    • Baby's Development
    • HSA/FSA Eligible⁂
    From $20.79/mo $25.99/mo
    Shop Now →
  • The Complete Prenatal Plan
    The Complete Prenatal Plan
    4.8
    Rated 4.8 out of 5 stars
    2,377 Reviews

    Our bestselling plan for perinatal nutrition includes a Prenatal Multivitamin, Collagen, Omega-3, Iron, and Pre/Probiotics.*
    • Bestseller
    • HSA/FSA Eligible⁂
    From $174.33/mo $204.95/mo
    Shop Now →
  • Prenatal Vitamins with Iron + DHA
    Prenatal Vitamins with Iron + DHA
    4.9
    Rated 4.9 out of 5 stars
    601 Reviews

    Our radically better Prenatal Multi paired with Iron and sustainably-sourced Omega-3 for all stages of perinatal health.*
    • HSA/FSA Eligible⁂
    From $80.66/mo $94.97/mo
    Shop Now →

Questions? We have answers.

Thoughtful inquiry is needed.

Yes, we partner with Truemed to make this possible for our customers. 

At checkout, select Truemed as the payment method and follow the steps. The first time you place an order with us using Truemed, you'll be prompted to create a Letter of Medical Necessity (LMN). Your LMN is valid with us for 12 months.

If you don't see the prompt to create the LMN, please use THIS LINK to begin the process.

Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures.

In addition to Needed discounts, Needed customers using HSA/FSA funds save their income tax rate because they’re paying with pre-tax dollars. Paying through Truemed is not a discount on products or plans. The savings come from the tax advantage of the HSA/FSA account. Actual savings using Truemed depend on individual tax rate.

Let's help you investigate. There are a few likely causes:

  • If signed into Shop Pay, log out and check out as a guest.
  • The specific product hasn’t been set up in Truemed’s system yet. - Let us know which product you are interested in.
  • The product isn’t eligible for HSA/FSA coverage.
  • Truemed only works on Needed's website, not a third party site.

If you are checking out as a guest on the Needed website and the product should be eligible, please contact support@truemed.com with the product name.

After completing the clinical intake form, you will receive your Letter of Medical Necessity (LMN) via their Truemed dashboard at truemed.com. Most LMNs are issued within a few hours, though it can take up to 1-2 business days.

If you haven't received your LMN, try:

  • Logging into your Truemed dashboard to check the status.
  • Check your spam or junk folder for emails from Truemed.
  • Make sure you completed the full clinical intake form (it may have timed out or been left incomplete).
  • If none of that resolves the issues, please contact support@truemed.com.

Not every customer qualifies. Eligibility depends on individual health circumstances and a clinician’s assessment. Since both are confidential health information we are unable to know or share why you were not approved. For questions about your qualification outcome, please contact support@truemed.com.

Card declines are usually an issue with the customer’s card or account, not with Truemed. Common causes include insufficient balance, an inactive or expired card, daily spending limits, or the card issuer not recognizing the merchant.

We suggest:

  • Check your HSA/FSA account balance.
  • Confirm your card is activated and not expired.
  • Contact your card issuer to ask about the decline reason.
  • Pay with a regular card instead, then submit for reimbursement using your Letter of Medical Necessity (LMN)  and receipt.

If the issue persists, please contact support@truemed.com.

Yes, but subscriptions follow the reimbursement flow. You will pay for the subscription with a regular card, complete the qualification survey, and then submit your Letter of Medical Necessity (LMN) and receipt to your HSA/FSA administrator for reimbursement. The same LMN covers recurring charges for up to 12 months.

Some products are only partially eligible. This happens when a product includes features beyond what’s considered medically necessary. Truemed calculates the eligible portion using a comparable item approach, and your Letter of Medical Necessity (LMN) and receipt will show the breakdown.

In this case, you will pay full price and can submit the eligible portion for HSA/FSA reimbursement.

If you have questions about the specific amounts, please contact support@truemed.com.

Yes. Truemed’s Split Pay feature will allow you to divide a single order across your HSA/FSA card and a regular credit or debit card. Keep in mind split pay is available for one-time purchases only, not recurring subscriptions.

If you paid with a regular card (not your HSA/FSA card), you can submit your Letter of Medical Necessity (LMN) and order receipt to your HSA/FSA administrator for reimbursement. The process varies by administrator, but generally involves logging into the administrator’s portal, navigating to the claims section, and uploading both documents.

If you need help with the reimbursement process, please contact support@truemed.com.

Truemed is only available to customers with an HSA or FSA account. If you do not yet have one, check with your employer’s HR or benefits department about enrollment options, typically during open enrollment. Truemed cannot help customers open or fund an HSA/FSA account.