Letter of Medical Necessity Questions
What is a Letter of Medical Necessity?
A Letter of Medical Necessity (LOMN) is a document from a healthcare provider that explains how a specific product is medically necessary for a patient to treat a diagnosed condition. Some products require this documentation to qualify for HSA/FSA pu
Why do I need to provide health information at checkout?
In order to qualify to use your HSA or FSA card for certain products, the IRS requires you to have a Letter of Medical Necessity. Bluemercury has partnered with Flex to enable telehealth consultations as part of the checkout process. Your LOMN and it
Do all products require a Letter of Medical Necessity?
No. Some products are auto-substantiated, meaning they are pre-approved for HSA/FSA purchase without a LOMN (for example, sunscreen SPF 15+, first aid supplies, and certain medical-grade skincare products). For these items, you simply pay with your H
Do I need to do anything with my Letter of Medical Necessity?
You should keep it on file for at least three years in the event of an IRS audit of your HSA or FSA account. Occasionally, FSA providers may ask for the letter to confirm the eligibility of your purchase. You can download it anytime from the consumer
Can I use a Letter of Medical Necessity from my own doctor?
Flex’s built-in telehealth consultation is the fastest way to get your LOMN, but if you already have a letter from your own doctor that covers the product you’re purchasing, you may be able to submit it to your HSA/FSA provider. Contact your HSA/FSA
I mistakenly entered my name and/or date of birth incorrectly. How do I get a corrected letter?
Please email [email protected] with the correct information. The Flex team will update your letter and make the corrected version available on the consumer portal at app.withflex.com.
The date on my Letter of Medical Necessity is one day different from my receipt.
This is typically a timezone issue. Please email [email protected] and the team will work to reissue the letter with the correct date.
My FSA says I need additional information (product name, NPI number, etc.) added to my letter.
Please forward the details of your FSA provider’s request to [email protected]. The Flex team will review and work to accommodate your request where possible.
My product is auto-substantiated but my FSA is still denying my claim. What can I do?
Some products are pre-approved for HSA/FSA and don’t require a traditional LOMN. If your FSA is denying a claim for an auto-substantiated product, please email [email protected]. Flex can provide an auto-substantiation letterhead document that exp