Letter of Medical Necessity support is coming soon
buyFSA is building a guided LMN review experience to help customers understand when certain products may require documentation from a licensed clinician before they can be purchased or reimbursed with FSA/HSA funds.
What is a Letter of Medical Necessity?
A Letter of Medical Necessity, often called an LMN, is documentation from a licensed medical provider explaining why a product or service is medically necessary for a specific individual. Some products may only qualify for FSA/HSA payment or reimbursement when they are tied to a diagnosed medical condition and supported by an LMN.
How the buyFSA LMN process will work
Answer a few questions
Complete a private medical questionnaire about your health needs, symptoms, and the products you are interested in.
Licensed clinician review
Your responses and selected products are reviewed by an independent licensed clinician to determine whether an LMN is appropriate.
Receive a determination
If approved, your LMN will identify the eligible product or category based on the clinician’s review. If not approved, you will not be required to purchase.
Use FSA/HSA funds if approved
Once approved, you may be able to complete your purchase using FSA/HSA funds, subject to your plan administrator’s rules.
Why some products require an LMN
Medical purpose required
Some products are only eligible when used to treat or manage a specific medical condition.
Documentation matters
An LMN helps document the clinician’s reasoning and connects the product to your medical need.
Plan rules still apply
Final reimbursement and card acceptance are still subject to your FSA/HSA plan administrator.
Important: buyFSA does not determine medical necessity, diagnose conditions, or guarantee FSA/HSA coverage. LMN decisions will be made by independent licensed clinicians, and your plan administrator may still apply its own rules.
Frequently asked questions
Does an LMN guarantee my FSA/HSA purchase will be approved?
No. An LMN may support eligibility, but final approval is subject to your FSA/HSA plan administrator’s policies.
Who reviews the LMN questionnaire?
When available, LMN requests will be reviewed by an independent licensed clinician, not by buyFSA.
Will every LMN request be approved?
No. A clinician may approve, deny, or request additional information based on your responses and the products submitted for review.
Can I purchase before my LMN is approved?
For LMN-required products, the intended process is to complete clinician review before using FSA/HSA funds.
Let customers speak for us
All products I’ve received have worked great! No complaints
I appreciate buyFSA, my order was received expeditiously! During the allergy season the Opcon-A Bausch and Lomb Allergy Eye Relief Drops were needed, I ordered two which was needed sooner than later. I was very pleased with the service.Thanks again buyFSA.😊
Advil helps pain from arthritis.
Incontanance bluder control
Pau is absolutuly wonderful I love it
PowerDot Uno 2.0 TENS Pain Relief Device, Red
Great transaction.
Coricidin HBP is my go to when I am suffering from cold or flu.
Provides consistent relief at night for dry eyes
Mucinex Fast-Max Cold, Flu & Sore Throat Liquid Maximum Strength
my remote will not function unless it’s within inches of the unit making it useless.
