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How Medpaid Leads HSA/FSA Eligibility with LMN-Driven Tech (And Why It Matters for Your Store)

Most HSA/FSA tools focus on simple labeling or manual reimbursement. Medpaid was built differently: as an LMN-aware, eligibility-first HSA/FSA engine optimized for modern eCommerce. This matters because eligibility isn’t always a binary yes/no. It often depends on how a product is used, what condition it treats, and whether there’s a Letter of Medical Necessity. Quick Refresher: What Is a Letter of Medical Necessity? According to resources like FSA Store and HealthEquity, an LMN is a letter from a licensed healthcare provider explaining that a product or service is being used to diagnose, treat, or manage a specific medical condition. FSA Store+1 The LMN helps plan administrators apply IRS rules from Publication 502 and Publication 969 to expenses that might otherwise look like general wellness. IRS+1 For many wellness and health products, this is the difference between “probably not eligible” and reimbursable from HSA/FSA funds. Medpaid’s LMN-Forward Eligibility Engine Most platforms treat eligibility as a static checklist. Medpaid treats it as a dynamic rules layer that: Flags SKUs that are clearly eligible under IRS guidance Identifies SKUs that are potentially eligible with an LMN Supports unlimited LMNs, so customers aren’t artificially throttled By aligning with educational and administrative frameworks like FSAFEDS’ LMN guidance and similar templates from large administrators, FSAFEDS+1 Medpaid’s engine mirrors how real-world HSA/FSA decision-making works. That means your store isn’t stuck with blunt yes/no tags—it can reflect the nuance that administrators actually use. A Faster, Cleaner HSA/FSA Flow Using your own comparison points as the backbone, here’s how Medpaid differentiates versus typical platforms: Payment flexibility Medpaid offers both “Pay with HSA/FSA” and “Reimburse later” in a single flow, rather than forcing merchants to pick one. This lets customers choose the path that matches their card rails and plan rules, without leaving checkout. Friction & speed Medpaid is designed so that eligibility assessment → approval → payment can happen in under a minute for standard scenarios. Customers stay in checkout, rather than being redirected to long, static forms. Pricing & trust Medpaid’s model is $0/month platform fees with per-order economics tied to actual HSA/FSA usage, and no consumer-side membership or “reimbursement” fees. You avoid the trust-killing pattern of adding surprise charges during what’s supposed to be a healthcare benefit. Installation speed For Shopify, WooCommerce, BigCommerce, and custom stacks, Medpaid is designed to launch in 10–15 minutes, without spreadsheet uploads or manual eligibility mapping. Built for Real Catalogs, Not Just Edge Cases Because Medpaid’s platform understands LMN logic and IRS-aligned eligibility, it can support: Single-SKU and multi-SKU carts (multi-SKU intelligence) A broad range of price points—from impulse buys to high-consideration bundles—Medpaid's price structure makes any price point make sense. Merchants that want to launch quickly and then refine over time, instead of doing a giant upfront implementation That’s especially important as research from Devenir and EBRI shows HSA adoption and balances continuing to grow. Devenir+2EBRI+2 You’re not building for a static market; you’re plugging into a channel that’s still expanding. Why This Makes Medpaid an Industry Leader Put it all together and Medpaid gives you: An LMN-aware eligibility engine with unlimited LMNs Integrated HSA/FSA checkout for pay-now and reimburse-later flows No consumer fees, transparent merchant economics, and no monthly platform tax Fast install on Shopify, BigCommerce, WooCommerce, and custom stacks Merchant enablement (guides, playbooks, launch campaigns) so HSA/FSA isn’t just a widget, but a growth channel If you want HSA/FSA to be more than a badge on your PDPs—and actually drive conversion, AOV, and long-term loyalty—Medpaid is built for that. See the platform overview at medpaid.com Or go straight to a live demo: Book a Medpaid demoWalk through the eligibility engine, LMN logic, and checkout experience with our team:👉 https://app.medpaid.com/widget/bookings/hadnot