This page answers common merchant compliance questions about Medpaid’s telemedicine workflow, HSA/FSA eligibility support, and Letters of Medical Necessity. It is informational only and not legal or tax advice.
A Letter of Medical Necessity is a provider-authored document that explains why a specific product or service is medically necessary for a specific individual. It is often needed for dual-purpose products that can serve either general wellness or medical treatment purposes.
Medpaid uses a structured, product-aware health assessment to collect contraindications, safety acknowledgements, and relevant clinical information. Licensed providers review assessments and exercise independent judgment before issuing LMNs.
Product eligibility review, dynamic assessment mapping, real-time SKU validation, and split-tender routing help merchants keep HSA/FSA payment flows compliant when carts contain a mix of eligible and non-eligible items.
Best practice is data minimization: the merchant receives what is needed for fulfillment, while Medpaid retains assessment responses, provider review artifacts, and LMN documentation in secure systems.
Medpaid frames the LMN around whether an expense is medically necessary, qualifies as medical care, and is primarily for diagnosis, cure, mitigation, treatment, or prevention rather than general wellness.
Preferred language is that a product may be eligible for payment or reimbursement with HSA/FSA when medically necessary and that an LMN may be required. Avoid guaranteed approval language.
Customers attest that information is accurate and complete. Providers make decisions based on the information supplied, and reimbursement outcomes remain subject to plan administrator review.
Medpaid recommends that customers keep itemized receipts and LMNs for several years in case their plan administrator or custodian requests substantiation.
