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:
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Flags SKUs that are clearly eligible under IRS guidance
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Identifies SKUs that are potentially eligible with an LMN
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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:
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Payment flexibility
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Medpaid offers both “Pay with HSA/FSA” and “Reimburse later” in a single flow, rather than forcing merchants to pick one.
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This lets customers choose the path that matches their card rails and plan rules, without leaving checkout.
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Friction & speed
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Medpaid is designed so that eligibility assessment → approval → payment can happen in under a minute for standard scenarios.
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Customers stay in checkout, rather than being redirected to long, static forms.
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Pricing & trust
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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.
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You avoid the trust-killing pattern of adding surprise charges during what’s supposed to be a healthcare benefit.
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Installation speed
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For Shopify, WooCommerce, BigCommerce, and custom stacks, Medpaid is designed to launch in 10–15 minutes, without spreadsheet uploads or manual eligibility mapping.
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Built for Real Catalogs, Not Just Edge Cases
Because Medpaid’s platform understands LMN logic and IRS-aligned eligibility, it can support:
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Single-SKU and multi-SKU carts (multi-SKU intelligence)
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A broad range of price points—from impulse buys to high-consideration bundles—Medpaid's price structure makes any price point make sense.
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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:
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An LMN-aware eligibility engine with unlimited LMNs
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Integrated HSA/FSA checkout for pay-now and reimburse-later flows
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No consumer fees, transparent merchant economics, and no monthly platform tax
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Fast install on Shopify, BigCommerce, WooCommerce, and custom stacks
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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.
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See the platform overview at medpaid.com
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Or go straight to a live demo:
Book a Medpaid demo
Walk through the eligibility engine, LMN logic, and checkout experience with our team:
👉 https://app.medpaid.com/widget/bookings/hadnot
