Wellness Pay is a wellness membership and smart tool that helps you use your HSA or FSA the way it was meant to work. We’re not just here to save you money — we’re here to help you take care of your health, proactively and affordably. Most people don’t realize what qualifies or how to get approved, which is why over $147 billion in HSA funds goes unused every year. We bridge the gap between wellness and financial freedom so you can feel better and spend smarter.

Yes, and in some cases, a Letter of Medical Necessity (LMN) is required. For example, you may need one to use HSA funds on magnesium or sleep aids. With Wellness Pay, your included blood panel can show deficiencies that make approval fast and easy.

LMN stands for Letter of Medical Necessity. It’s a document from a licensed doctor that confirms a product or service is medically necessary for you. Every Wellness Pay member gets an initial doctor consult and bloodwork to issue your LMN and unlock eligible spending.

Yes. You can submit eligible past purchases for reimbursement, even if you didn’t use your HSA or FSA card. We’ll scan your connected accounts and receipts to flag what qualifies.

Yes, you can use any card you want. If the purchase qualifies and your LMN supports it, we’ll help you get it reimbursed. Our own HSA/FSA-linked Wellness Pay card is coming soon for an even easier checkout experience.

Yes. We follow IRS Section 213(d) guidelines, which allow HSA and FSA funds to be used for medically necessary products and services. Our licensed doctors issue LMNs, and your purchases are tracked and documented for full compliance.