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Unlock FSA/HSA Eligibility

Get a Letter of
Medical Necessity

Many high-value health products become FSA/HSA eligible with a simple letter from your doctor. Get approved online in as little as 24 hours.

24-48h

Average Turnaround

30%

Tax Savings

100+

Eligible Products

$59

Starting Price

How to Get a LOMN

The process is simple and can be completed entirely online

1

Check Eligibility

Search for your product on our site to confirm it requires a LOMN for FSA/HSA eligibility.

2

Consult a Provider

Use an online service or visit your doctor. Explain your condition and why the product would help.

3

Receive Your LOMN

Your provider will issue a signed letter stating the medical necessity for your purchase.

4

Submit & Save

Provide the LOMN to your FSA/HSA administrator along with your receipt to get reimbursed.

Get Your LOMN Online

Choose a trusted partner to get your Letter of Medical Necessity quickly and easily

RECOMMENDED

TrueMed

The leading platform for HSA/FSA qualification letters. Licensed providers review your information and issue letters within 24-48 hours.

  • 24-48 hour turnaround
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Sesame Care

Affordable telehealth consultations with licensed doctors who can write LOMN letters for qualifying conditions.

  • Same-day appointments available
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Starting at $29

Book a Consultation

Your Primary Care Doctor

You can always request a LOMN from your existing healthcare provider. Bring our template to your next appointment.

  • Uses your existing relationship
  • May be covered by insurance
  • Can address multiple items
  • Most comprehensive review

Varies (may be covered)

Download Template

We may receive a commission when you use these services, at no extra cost to you.

LOMN Template for Your Doctor

Bring this template to your healthcare provider to request a Letter of Medical Necessity

LETTER OF MEDICAL NECESSITY Date: ________________ To Whom It May Concern, I am writing to certify that [PRODUCT NAME] is medically necessary for my patient: Patient Name: ________________________________ Date of Birth: ________________________________ Diagnosis: __________________________________ ICD-10 Code: ________________________________ Medical Justification: The above-named product is medically necessary for the treatment, mitigation, or prevention of the patient's diagnosed condition. This recommendation is based on my clinical evaluation and is intended to: [ ] Treat a specific medical condition [ ] Alleviate symptoms of a diagnosed condition [ ] Prevent a condition from worsening [ ] Aid in recovery from illness or injury Specific Medical Benefit: ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ This item is not for general health or cosmetic purposes. It is a necessary component of the patient's treatment plan. Duration: This letter is valid for 12 months from the date of signature. Provider Information: Signature: ________________________________ Print Name: ________________________________ Credentials: ________________________________ NPI Number: ________________________________ Practice Name: ________________________________ Phone: ________________________________ Address: ________________________________ Date Signed: ________________________________

Tip: Each product page has a customized LOMN template specific to that item.

Frequently Asked Questions

Everything you need to know about Letters of Medical Necessity

What is a Letter of Medical Necessity (LOMN)?

A LOMN is a document signed by a licensed healthcare provider certifying that a specific product or service is medically necessary to treat, prevent, or alleviate a diagnosed health condition. It's required for 'conditional' FSA/HSA eligible items.

What conditions qualify for a LOMN?

Common qualifying conditions include chronic pain, sleep disorders, anxiety, depression, obesity, diabetes, cardiovascular conditions, and many others. The key is that your healthcare provider determines the product will help treat or manage your specific condition.

How long is a LOMN valid?

Most FSA/HSA administrators accept LOMN letters for 12 months from the date of signature. After that, you may need a renewal letter. Check with your specific administrator for their requirements.

Can I get a LOMN for past purchases?

Yes! In many cases, you can get a LOMN retroactively and submit it with your original receipt for reimbursement. This is especially useful if you've already purchased an item and didn't realize it could be FSA/HSA eligible.

What information must a LOMN include?

A valid LOMN must include: your name and date of birth, your diagnosis (preferably with ICD-10 code), the specific product being prescribed, explanation of medical necessity, and the provider's signature, credentials, and contact information.

Can my FSA/HSA administrator reject my LOMN?

While rare, administrators can request additional information or clarification. Using a proper template and ensuring all required information is included minimizes this risk. Our partners specialize in writing compliant letters.

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