Direct Substantiation
Automatically substantiate HSA/FSA transactions for purchases made through Truemed.
The Pay and Chase Problem
When members use their FSA cards for health and wellness purchases, TPAs face an operational challenge: these transactions require Letters of Medical Necessity (LMNs) for substantiation. Without them, TPAs must initiate “pay and chase”—manually following up with members to collect documentation.
This process is expensive and time-consuming:
- Administrative cost: $5-25 per pay-and-chase instance in staff time
- Member friction: Repeated emails and calls to collect receipts and LMNs
How Truemed Solves This
Truemed qualifies purchases at checkout, generating LMNs before the transaction even settles. When TPAs receive Truemed transactions in their settlement reports, all substantiation documentation is already available.
For each matched transaction, Truemed provides:
- Patient name associated with the purchase
- Approval date when the qualification was completed
- Receipt URL for the purchase receipt
- LMN URL for the Letter of Medical Necessity
- LMN expiration date
- Diagnosis categories with IRS-compliant category mappings
Two Integration Options
Truemed offers two ways to integrate, depending on your technical capabilities and volume:
API Integration
Best for TPAs and platforms with engineering resources who want fully automated, real-time substantiation.
- Automatically submit transactions in batches
- Receive instant responses with substantiation data
- Integrate directly into your existing systems
- No manual intervention required
Portal Dashboard
Best for smaller TPAs or those evaluating the integration before committing to API development.
- Upload a CSV of settled transactions
- Download substantiation data and documents
- No engineering work required
- Get started immediately
Who Should Read What
Choose the guide that matches your role:
- TPAs: See TPA Guide for detailed integration instructions
- Employers: See Employers Guide to understand how this benefits your employees and how to work with your TPA
- Platforms (Alegeus, Wex, etc.): See Platforms Guide for platform-level integration details
Getting Started
Contact tom@truemed.com to discuss which integration option is right for you and get started with credentials and implementation support.
