Direct Substantiation for Issuing Platforms
One integration to provide automated LMN substantiation to all your TPA clients.
Overview
HSA/FSA issuing platforms like Alegeus, Wex, and others serve hundreds of TPAs. By integrating with Truemed at the platform level, you can offer automated LMN substantiation as a value-added feature to all your TPA clients—with a single integration.
The Market Opportunity
Growing LMN Transaction Volume
Health and wellness spending through HSA/FSA accounts is growing rapidly. Consumers increasingly want to use their pre-tax health funds for:
- Supplements and nutrition products
- Fitness and exercise equipment
- Sleep optimization products
- Preventive health devices
These purchases require Letters of Medical Necessity (LMNs) for substantiation—creating a significant operational burden for TPAs.
The TPA Pain Point
Your TPA clients face a costly “pay and chase” process for LMN transactions:
- Request documentation from the cardholder
- Follow up repeatedly until received
- Process and validate the documentation
- Escalate unsubstantiated transactions to employers
This costs $5-25 per transaction in administrative overhead. For TPAs processing significant health and wellness volume, this represents a material cost center.
Truemed’s Market Position
Truemed is the market leader in qualified health and wellness transactions, processing purchases across 3,000+ merchants. We generate LMNs at checkout through licensed telehealth providers, meaning substantiation documentation exists before the transaction even settles.
Platform Integration Benefits
For Your TPA Clients
- Automated substantiation for all Truemed transactions
- Eliminated pay-and-chase burden and costs
- Compliance confidence with IRS-compliant documentation
- Better member experience — no documentation requests to cardholders
For Your Platform
- Value-added feature that differentiates your offering
- Single integration covers all TPA clients
- Growing volume as health/wellness FSA spending increases
- No cost to you — Truemed provides the integration at no charge
How It Works
Platform-Level Integration
When you integrate at the platform level, the flow works as follows:
Key points:
- Your platform automatically detects Truemed transactions at settlement
- Platform proactively requests substantiation from Truemed—no TPA action required
- Substantiation data is attached directly to settlements/claims
- TPAs receive transactions with all context needed for auto-approval workflows
- TPAs benefit without building their own integration or making any requests
Implementation Timeline
Based on our experience with similar integrations:
Total time to first TPA live: 4-6 weeks
We recommend a phased rollout—start with a few pilot TPAs, validate the integration, then expand to your full client base.
Getting Started
- Contact our partnerships team at tom@truemed.com
- Technical discovery call to review your platform architecture
- Sandbox access for development and testing
- Implementation support throughout the integration
- Pilot TPA selection for initial rollout
- Full deployment across your TPA client base
We provide dedicated implementation support and can work with your timeline and technical requirements.
Questions?
Contact tom@truemed.com for partnership discussions or technical questions about platform integration.
