Direct Substantiation for Employers

Help your employees maximize their HSA/FSA benefits with seamless, automatic substantiation.

Overview

Truemed already enables your employees to use their HSA and FSA funds at over 3,000 health and wellness merchants. When employees make purchases through Truemed, all required substantiation documentation is generated automatically—no receipts to submit, no follow-up calls, no year-end surprises.

Why This Matters to You

Employee Experience

Your employees want to use their pre-tax health funds for products that actually improve their health—supplements, fitness equipment, sleep aids, and more. But FSA transactions for these purchases require Letters of Medical Necessity (LMNs), which traditionally means:

• Submitting receipts after every purchase
• Responding to TPA requests for documentation
• Tracking what’s been substantiated vs. pending
• Risking clawbacks if documentation isn’t submitted in time

With Truemed’s Direct Substantiation, none of this is necessary. Your TPA receives everything they need without any employee involvement.

How It Works

The employee experience:

1. Shop at a Truemed-enabled merchant
2. Checkout and pay with Truemed
3. Done—no receipts to submit, ever

What happens behind the scenes:

1. Your TPA submits the transaction for substantiation
2. Truemed returns all documentation
3. TPA approves the transaction

Benefits for Your Employees

When you enable Truemed at your organization, employees gain access to:

• 3,000+ merchants offering health and wellness products
• Instant qualification via telehealth at checkout
• No documentation hassle — everything is handled automatically

Getting Started

Already a Truemed employer partner?

Contact us at tom@truemed.com to ensure your TPA is set up for direct substantiation. We’ll reach out to your TPA on your behalf if needed.

Not yet partnered with Truemed?

Learn how Truemed can help your employees maximize their HSA/FSA benefits:

1. Visit truemed.com to learn about employer partnerships
2. Contact tom@truemed.com to discuss your organization’s needs
3. We’ll help you launch and coordinate with your TPA

Questions?

Contact tom@truemed.com for employer partnership inquiries or support@truemed.com for general questions.