Don't have a doctor?
Get instant approval online for just $30
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
Check Eligibility
Search for your product on our site to confirm it requires a LOMN for FSA/HSA eligibility.
Consult a Provider
Use an online service or visit your doctor. Explain your condition and why the product would help.
Receive Your LOMN
Your provider will issue a signed letter stating the medical necessity for your purchase.
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
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
- Board-certified physicians
- Money-back guarantee
- Direct integration with major retailers
Starting at $59
Get Started with TrueMedSesame Care
Affordable telehealth consultations with licensed doctors who can write LOMN letters for qualifying conditions.
- Same-day appointments available
- Licensed physicians
- Transparent pricing
- No insurance required
Starting at $29
Book a ConsultationYour 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 TemplateWe 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
Tip: Each product page has a customized LOMN template specific to that item.
Products That Require a LOMN
These high-value products become FSA/HSA eligible with a Letter of Medical Necessity. Save up to $8,212 on these items alone.
Sunlighten Infrared Sauna
Sunlighten · Heat Therapy
Pay only $4,199 after tax savings
Plunge Cold Plunge
Plunge · Cold Therapy
Pay only $3,493 after tax savings
Peloton Tread+
Peloton · Fitness Equipment
Pay only $3,006 after tax savings
Eight Sleep Pod 4 Ultra
Eight Sleep · Sleep Tech
Pay only $2,866 after tax savings
LASIK Surgery
Vision
Pay only $2,800 after tax savings
Tonal Smart Home Gym
Tonal · Fitness Equipment
Pay only $2,796 after tax savings
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.
Ready to Save on Health Products?
Get your Letter of Medical Necessity today and unlock FSA/HSA eligibility for the products you need.