Truemed & HSA/FSA Payments

Truemed: Use Your HSA/FSA for Fitness

Truemed connects you with a licensed provider to get a Letter of Medical Necessity and supports HSA/FSA checkout or reimbursement at participating merchants. Pricing varies by merchant integration.

What Is Truemed?

Truemed supports merchant-specific HSA/FSA checkout and reimbursement for wellness purchases. When an otherwise general-wellness expense is being used to treat a specific diagnosed condition, a licensed provider may determine that a Letter of Medical Necessity is appropriate.

The intake, provider-review time, fee, payment path, and qualification terms depend on the merchant integration. Review the terms shown in that specific flow, and keep the LMN and itemized receipt. Your account administrator can still request documentation or deny reimbursement.

How Truemed Works (Step by Step)

1
Open the merchant's Truemed flow
Start from the HSA/FSA or reimbursement option shown by the merchant. Some integrations support direct benefit-card checkout; others require normal payment followed by reimbursement.
2
Complete the health survey
Complete the medical intake requested in that flow. The exact questions and review process can vary by merchant and provider.
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. The LMN period and evaluation fee are disclosed by the specific merchant flow. Current Truemed examples include $20 and $30.
5
Follow the disclosed payment path
If direct HSA/FSA checkout is offered, follow those instructions. Otherwise pay with a normal card, then submit the LMN, itemized receipt, and proof of payment for reimbursement. The account administrator makes the final eligibility decision.

Truemed Marketplace

Truemed supports merchants across fitness, recovery, nutrition, sleep, and other wellness categories. Merchant relationships and checkout flows change, so a fixed brand list can become stale quickly.

Browse Truemed's current marketplace

Truemed Pricing

$20

Current gym/studio program example

$30

Current Trinity partner-flow example

Varies

By merchant and integration

These are published examples, not a universal Truemed price. Some post-purchase reimbursement integrations charge the merchant per issued LMN. Confirm the amount, refund terms, and LMN period shown in your specific checkout flow. Pricing verified July 16, 2026. See the official-source pricing notes.

Truemed vs Flex

Both platforms support merchant-specific HSA/FSA payment and reimbursement paths. Compare the flow offered by the merchant rather than assuming one sitewide fee.

Feature	Truemed	Flex
Fee Structure	Varies; current examples: $20 and $30	Current gym/studio example: $15
Gym Network	Broad wellness marketplace	Broad marketplace; official Equinox flow
Payment Path	Checkout or reimbursement, by merchant	Checkout or reimbursement, by merchant
Equinox	No current direct integration confirmed	Official checkout page available
LMN Process	Online health survey	Online health survey
Final Eligibility Decision	Your HSA/FSA administrator	Your HSA/FSA administrator
Best For	A merchant using Truemed	A merchant using Flex

Bottom line: Start with the merchant's current checkout or reimbursement page. Flex has an official Equinox flow; other merchants may use Truemed, Flex, or another service. 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:

Obesity (BMI 30+)

Type 2 Diabetes

Cardiovascular Disease

Hypertension

Depression & Anxiety

Chronic Pain

Metabolic Syndrome

Sleep Disorders

Musculoskeletal Disorders

PCOS

This is not exhaustive. The provider evaluates your complete health history. A clinician may issue an LMN when an exercise-related expense is medically appropriate, but the LMN does not guarantee HSA/FSA reimbursement. Your account administrator makes the final decision.

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

HSA Gym Membership Guide

Complete guide to using HSA funds for gym memberships

Gym Membership Eligibility

HSA eligibility rules, costs, and requirements

Peloton & Exercise Equipment

Using HSA for Peloton, Tonal, and home equipment

Frequently Asked Questions

What is Truemed?▼

Truemed is a healthcare and payments platform that connects consumers with licensed providers for Letter of Medical Necessity evaluations and supports merchant-specific HSA/FSA checkout or reimbursement. An LMN can support a qualifying medical-purpose expense, but the account administrator makes the final eligibility decision.

How much does Truemed cost?▼

Truemed pricing varies by merchant and integration. Its current gym and studio program lists a $20 member LMN fee, while a current Trinity partner flow lists a $30 medical-evaluation fee. Truemed also documents post-purchase reimbursement integrations where the merchant pays a fee per issued LMN. Check the price and terms shown in your specific merchant flow.

How long does the Truemed process take?▼

Truemed describes its intake as a brief online evaluation, but provider-review and delivery timing can vary by merchant and case. Follow the timing stated in the specific checkout or reimbursement flow you use.

What if I do not qualify through Truemed?▼

The outcome and fee terms depend on the merchant flow. Review the disclosed refund or qualification terms before submitting an evaluation. You can also ask your own licensed healthcare provider whether an LMN is clinically appropriate.

Is Truemed legitimate?▼

Truemed connects customers with licensed providers who evaluate whether an LMN is clinically appropriate. An LMN supports a reimbursement claim, but it does not guarantee HSA/FSA eligibility or payment. Your account administrator makes the final determination.

Can I use Truemed for Equinox?▼

We could not confirm a current direct Truemed integration for Equinox. Flex currently has an official Equinox HSA/FSA checkout page. Integrations can change, so check the payment options shown by Equinox before purchasing.

Does Truemed work with FSAs too?▼

Yes. Truemed supports both HSA and FSA flows. Documentation and substantiation requirements can vary by account administrator, so confirm the instructions shown in your merchant flow and retain the LMN and itemized receipt.

What happens after 12 months?▼

Truemed says its LMNs are typically valid for 12 months. The exact period and renewal process can depend on the provider, merchant, and your circumstances. Check the dates on your LMN and the current merchant instructions before a renewal purchase.

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