Truemed: Use Your HSA/FSA for Fitness
Truemed connects you with a licensed provider to get a Letter of Medical Necessity - unlocking HSA/FSA payments at 30+ gyms and fitness brands for a one-time $30 fee.
What Is Truemed?
Truemed is a healthcare platform backed by $34M in Series A funding from Andreessen Horowitz (a16z). It solves a specific problem: the IRS requires a Letter of Medical Necessity (LMN) before you can use HSA or FSA funds for fitness expenses. Getting an LMN traditionally means a doctor visit, a copay, and waiting for paperwork.
Truemed streamlines this into an online health survey reviewed by a licensed provider. If you qualify, you get your LMN in minutes to 24 hours - and can immediately use your HSA/FSA card at partner merchants. If you do not qualify, you are not charged.
How Truemed Works (Step by Step)
- 1
Start at a partner merchant
Visit a Truemed partner website (gym, equipment brand, or supplement company). Look for "Pay with HSA/FSA" at checkout.
- 2
Complete the health survey
Answer questions about your medical history, current conditions, medications, and health goals. Takes 5-10 minutes.
- 3
Provider reviews your profile
A licensed provider (MD, DO, NP, or PA) evaluates your health history and determines if the expense is medically necessary for your specific condition.
- 4
Get your LMN
If approved, you receive a Letter of Medical Necessity with your diagnosis, ICD-10 codes, and the provider's determination. Valid for 12 months. You are charged $30.
- 5
Pay with HSA/FSA
Enter your HSA or FSA card at checkout. The purchase is processed as a qualified medical expense. Keep your LMN on file for your HSA administrator.
Truemed Partner List
Truemed partners with brands across gyms, equipment, and supplements. All require a valid LMN to process HSA/FSA payments.
Gyms & Studios
Equipment & Devices
Supplements & Nutrition
Partner list as of March 2026. New brands are added regularly. Check Truemed's website for the latest.
Truemed Pricing
$30
One-time LMN evaluation fee
$0
If you do not qualify
12 mo
LMN validity period
The $30 fee itself is not HSA-eligible (it is a service fee, not a medical expense). But the savings from using HSA funds for the underlying purchases far exceed the $30 cost.
Truemed vs Flex
Flex is the other major HSA/FSA fitness payment platform. The biggest difference: gym network. Here is a side-by-side comparison.
| Feature | Truemed | Flex |
|---|---|---|
| Fee Structure | $30 one-time | 4% per transaction |
| Gym Network | 30+ brands | Equinox (exclusive) |
| Equipment | Peloton, Tonal, Hyperice | Not available |
| Supplements | AG1, Momentous, Seed | Not available |
| LMN Process | Online health survey | Online health survey |
| Annual Cost Example | $30 (flat) | $96-$144 (4% of $200-$300/mo gym) |
| Best For | Most gym members + equipment buyers | Equinox members |
Bottom line: If you are an Equinox member, Flex is your only option. For everyone else, Truemed offers broader coverage at a lower cost. See our gym membership eligibility page for more on qualifying conditions.
Who Qualifies?
Truemed's licensed providers evaluate your health profile against IRS requirements. Common qualifying conditions include:
This is not exhaustive. The provider evaluates your complete health history. If they determine exercise-related expenses are medically necessary for your condition, you qualify.
Tips for Getting Approved
- Be thorough on the health survey. Include all diagnosed conditions, medications, and relevant medical history.
- Mention specific conditions rather than general statements. "Diagnosed with obesity E66.01" is stronger than "trying to lose weight."
- Include your doctor's recommendations if your physician has recommended exercise for your condition.
- Have recent lab results available - blood work, A1C levels, or other diagnostics that support your condition.
Related Guides
Frequently Asked Questions
What is Truemed?▼
How much does Truemed cost?▼
How long does the Truemed process take?▼
What if I do not qualify through Truemed?▼
Is Truemed legitimate?▼
Can I use Truemed for Equinox?▼
Does Truemed work with FSAs too?▼
What happens after 12 months?▼
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