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What "Medically Necessary" Really Means
Two people browse the same store, add the same supplement to their cart, and check out with Truemed. One qualifies to use their HSA. The other doesn't. Same product. Different outcomes. That's not a glitch. It's how medical necessity actually works.
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| Explore HSA Eligible Health Tools
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The IRS standard is person-specific, not product-specific.
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Under IRS guidelines, an expense qualifies as medically necessary if it's used to diagnose, cure, treat, mitigate, or prevent a specific medical condition. The key word is "specific." A magnesium supplement isn't inherently eligible or ineligible. What matters is whether a licensed practitioner determines that it addresses a specific health concern for a specific person.
A 2023 Employee Benefit Research Institute survey found that only 9% of HSA holders said they fully understood what their funds could cover. The confusion is understandable. The IRS doesn't publish a product-by-product eligibility list because one doesn't exist.
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So who actually decides?
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When you use Truemed, an independent licensed practitioner reviews your health survey and evaluates whether the products you're purchasing address a qualifying condition. Truemed doesn't make that determination. Truemed connects you with the practitioner who does.
That's why phrases like "HSA-eligible product" don't tell the full story. A more accurate way to think about it: "a product that may be eligible for qualified customers." The eligibility lives with the person, not the product.
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Common misconceptions worth clearing up:
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Being healthy doesn't disqualify you. Prevention is one of the five IRS-recognized purposes of a medically necessary expense. If a practitioner determines that a product helps prevent a condition you're at risk for, that can qualify. Conversely, wanting something for general optimization without a specific clinical basis isn't enough.
The process is also faster than most people expect. Completing the health survey takes about two minutes. An independent practitioner reviews it and, if you qualify, issues a letter confirming medical necessity.
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What’s in Liam Pingree's health stack?
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Liam Pingree prioritizes consistency, light exposure, hydration, and mental clarity from the moment he wakes up.
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Circadian Rhythm
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After a full 8 hours of sleep in a cool, dark room with blackout curtains, he opens the curtains immediately for natural light to align his circadian rhythm.
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Sunlight, Skincare, and Hydration
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His morning includes direct sunlight while showering, a simple Aesop skincare routine, and early hydration with cold water plus Icelandic mineral salt for electrolyte balance. Before any digital input, he spends at least 15 minutes reading on his Kindle — often poolside in Bali.
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Coffee and Light Therapy Session
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Coffee comes next, then his workday, which starts with a light therapy session using the Neuronic LIGHT helmet to support focus and cognitive performance.
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Top Health Tip?
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"Luck is the execution of the opportunities you create."
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Liam Pingree
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CEO of Neuronic
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Partner News You Should Know
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Build your home gym for less with the Major Fitness Spring Sale:
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Major Fitness's Spring Sale is on, and Truemed makes it even sweeter. Save up to $250 on power cages, the AH64 Apache bench, and more. Then use your pre-tax HSA/FSA dollars to stack savings at checkout, if qualified.
Shop the Sale →
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BLOG OF THE WEEK
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2026 HSA Trends: The Participation Gap Report
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40 million Americans have HSAs, but most barely use them. This report breaks down the data behind the participation gap — who has accounts, who actually spends, and what's keeping the other $159 billion on the sideline.
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