Health savings accounts (HSA) and flexible spending accounts (FSA) are programs that allow you to set aside pre-tax funds for eligible healthcare expenses. If you're unsure whether you have an HSA or FSA account, check with your employer or insurance company.

Yes, simply select Truemed as your payment option at checkout and use your HSA or FSA card as you would any other credit card. If you prefer, you can also pay with a regular credit card and submit for reimbursement from your HSA/FSA account later—just save your receipt and Letter of Medical Necessity to file your claim.

All subscription purchases must submit for reimbursement.

HSA/FSA is eligible toward all Tru Niagen products, except for Niagen NanoCloud™ sachets.

HSA/FSA accounts allow you to use pre-tax funds to pay for qualified health expenses. Because these funds are pre-tax, you get more purchasing power—rather than paying taxes on income and then spending it on health products, qualified customers can use pre-tax funds to support their cellular health with Tru Niagen.

A Letter of Medical Necessity (LMN) from Truemed can make your Tru Niagen purchase a qualified medical expense—similar to a doctor's visit or prescription. Supplements may qualify as medical expenses when a licensed provider determines they support a patient's health needs. Your Truemed LMN satisfies IRS requirements to make your purchase eligible for HSA/FSA reimbursement.

Your Letter of Medical Necessity is typically approved within 2–5 hours, though it can occasionally take up to 24 hours. Once you submit your LMN and receipt to your HSA/FSA administrator, reimbursement is generally paid out within 2–4 weeks, depending on your administrator.

If you've already received a Letter of Medical Necessity for Tru Niagen products, you don't need to complete Truemed's survey again as long as your letter remains valid. Letters of Medical Necessity are typically valid for 12 months. You will still need to submit your receipts for reimbursement with your HSA/FSA administrator for each purchase.

Yes. You can submit for partial reimbursement. For example, if you purchase Tru Niagen for $100 but only have $60 in your account, you can reimburse $60 with your tax-free funds and pay the remaining $40 as you normally would.

Contact Truemed at support@truemed.com for help troubleshooting the issue. HSA/FSA plan administrators often have specific requirements, so it may be as simple as re-issuing your Letter of Medical Necessity using your administrator's preferred form.