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

HSA and FSA accounts let you pay with pre-tax dollars. Rather than paying income tax and then spending what's left, you spend money that was never taxed — so you get more buying power. Because contributions come out of your paycheck before taxes, most people save roughly 30–40% on eligible purchases, depending on their state and tax bracket.

Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are tax-free accounts used to pay for qualified medical expenses, usually set up through your employer. HSAs pair with a high-deductible health plan and the funds don't expire. FSAs are independent of your health plan; elections are made in October–November for the following year, and FSA funds typically expire at year-end.

Yes. Topture has partnered with Truemed so qualified customers can use HSA/FSA funds toward eligible wellness products like saunas, heaters, and cold plunge tubs. At checkout, choose “Pay with HSA/FSA,” complete a short health survey, and a licensed provider reviews your answers to determine eligibility.

Yes. You can pay with your HSA/FSA card, or use a regular credit/debit card and get reimbursed. With a valid Letter of Medical Necessity, pay with your normal card and submit your receipt and LMN to your HSA/FSA administrator. We generally recommend paying with a normal card and submitting for reimbursement for the highest likelihood of success.

A Letter of Medical Necessity (LMN) is a document from a licensed provider stating that a product helps treat, mitigate, or prevent a medical condition. Items covered by an LMN are qualified medical expenses under IRS rules — the same as a doctor's visit or a prescription. Your Truemed LMN satisfies IRS requirements to make your eligible wellness purchase reimbursable, and it's valid for 12 months.

No. There's no cost to you as long as you're shopping with a Truemed partner merchant like Topture.

While it depends on your administrator, we generally advise submitting expenses incurred on or after the date on your Letter of Medical Necessity. Reimbursing purchases made before your LMN was issued is generally not allowed. If you don't yet have an HSA/FSA, most open-enrollment windows fall in the last few months of the year — elect to contribute then, and you can begin spending in the new year.

After you complete the short health survey, a licensed provider reviews it and, if you qualify, issues your LMN — usually quickly. For most administrators, expenses submitted with a Truemed LMN are approved within days, though exact timing varies by administrator.

Truemed's services are for individuals who have an HSA or FSA (or plan to fund one during open enrollment). If you don't have one, ask your employer or HR department about setting one up — most open-enrollment windows are in the last four months of the year.

Unfortunately, HSAs and FSAs are only available in the US, so Truemed reimbursement isn't available outside the US.