For products that may be eligible when medically necessary, Medpaid offers a structured health assessment that collects product-specific, clinically relevant information. Licensed providers review each assessment and can issue a Letter of Medical Necessity (LMN) when appropriate. This documentation supports plan substantiation that the expense is primarily for medical care rather than general wellness.

Best practice is language such as “May be eligible with HSA/FSA when medically necessary; LMN may be required.” Avoid “guaranteed eligible”, “IRS-approved”, or explicit disease-treatment claims unless you have the regulatory posture and substantiation to back those claims.

Medpaid supports a cart-routing pattern where only eligible items flow through the HSA/FSA pathway. Real-time SKU validation and split-tender logic help ensure non-eligible items stay on standard payment methods. Eligibility checks and routing events can be logged for audit support.

Telehealth interactions use secure communication methods, with controlled access to LMNs and assessment data. Medpaid collects the minimum necessary information to support clinical review and eligibility documentation, keeping clinical details within Medpaid systems and out of your storefront analytics tools.

Customers must attest that their information is accurate and complete. Providers make clinical decisions based on that information, and reimbursement outcomes are ultimately decided by plan administrators or custodians. Merchants should avoid tax advice and direct customers to their HSA/FSA administrator for questions about reimbursement.