An LMN, or Letter of Medical Necessity, is like a doctor’s note. It’s issued by a healthcare provider to outline the medical reasons for a product or service being medically necessary for an individual's health to qualify your purchase as HSA/FSA eligible. LMNs prove that an expense is needed to diagnose, treat, or alleviate a medical symptom rather than for general health or wellness purposes.

If you want to use your HSA/FSA funds to purchase Digbi Health products, you’ll need a Letter of Medical Necessity (LMN), and we’ve partnered with Digbi Health to help you with this https://digbihealth.com/.

Certain products are eligible for purchase with HSA/FSA funds if they treat, cure, prevent, diagnose, or alleviate a medical need. For instance, items like bandaids are always eligible as they serve a sole medical purpose. However, “dual-eligible” products can be used for general health and wellness or specific medical purposes—if recommended by a healthcare provider based on your individual needs. Take iron supplements, for example; many use them to support their health. Yet, for someone with anemia, iron supplements become crucial. In such cases, individuals can use their HSA/FSA funds if their healthcare provider issues an LMN, recommending the supplements to address their anemia.

You can request a Letter of Medical Necessity through Digbi Health https://digbihealth.com/. If approved, you can use your HSA/FSA funds for your qualified purchase.

To request an LMN on , you will:

1. Chat with a certified healthcare provider to evaluate if you qualify for an LMN
2. Complete intake forms, similar to how you would at a doctor’s office
3. Consult with our team of healthcare providers, who will determine if you are eligible

Once you have your LMN, you can return to the Digbi Health’s site and shop as usual. During checkout, you can select the Digbi Health payment method to utilize your HSA/FSA funds.

Our healthcare provider team strives to respond within 12 business hours after you submit your LMN intake forms.

Like other telehealth experiences, we will ask you to share your name, contact information, date of birth, and information about your symptoms and medical history to see if you're a candidate for a Letter of Medical Necessity. We will also verify your phone number and ask you to upload a photo ID to verify your identity.

The information you provide in the LMN process will be kept confidential and shared only with our healthcare providers to evaluate your eligibility for an LMN. For more information, see our privacy policy.

Letters of Medical Necessity are valid for 12 months from the day they are signed and written.

After you complete a purchase using an LMN, you must submit your Letter of Medical Necessity and your receipt to substantiate the purchase if you paid with your HSA/FSA or to get reimbursed if you paid with your credit/debit card. To do this:

1. Log into your HSA/FSA account on your benefit administrator’s website
2. Find the Reimbursement or Claims section
3. Upload your receipt and Letter of Medical Necessity

Your administrator will process and evaluate your claim. Please note that some HSA/FSA benefits administrators may incorrectly deny reimbursement. So, before purchasing a product with an LMN, you should consider contacting your administrator to determine if your purchases will be covered/reimbursed. You can learn more about what is eligible here.

If you need help locating your itemized receipt or LMN, please contact Digbi Health at digbi@digbihealth.com.

Digbi Health’s independent healthcare provider may determine that you do not have symptoms demonstrating a medical necessity for a product or service. While you cannot use your HSA/FSA funds now, you can still use another payment method to complete your purchase on our site. We do not recommend reapplying.