How to Get a Letter of Medical Necessity Online
Skip the doctor's office. A licensed clinician signs your Letter of Medical Necessity for $35, usually the same day, and Burst files the reimbursement for you.
9 minute read
Getting a Letter of Medical Necessity used to mean booking a doctor’s appointment, taking time off work, and paying a copay, all before you even knew if you’d qualify. Online LMN providers have changed the game. This guide walks through exactly how to get your LMN online, what to expect, and how to choose the right provider.
Get the letter first, then buy. We handle the rest.
$35 once, about two minutes, and a licensed clinician signs your Letter of Medical Necessity, usually the same day if approved and always within 24 hours. Then buy from any store with any card, and Burst files the reimbursement claim for you, start to finish. If your administrator pushes back, we write the appeal.
20,000+ letters issued. Works with every FSA/HSA administrator.
No letter, no charge. Claim denied, money back.
About two minutes to request · usually the same day · we file the claim for you.
The traditional way, and why it is slow
The old-school process for getting an LMN involved calling your doctor’s office to schedule an appointment, waiting days or weeks for availability, paying your copay or out-of-pocket visit fee, explaining what an LMN is (many primary care doctors aren’t familiar with the process), hoping your doctor agrees to write one, waiting for them to draft and send the letter, and then submitting it to your FSA/HSA administrator yourself. This process could take weeks, and many people gave up or never received a properly formatted LMN that their administrator would accept.
How to get a Letter of Medical Necessity online
Online LMN providers use telehealth to connect you with licensed providers who specialize in medical necessity documentation. Here’s what a typical process looks like:
If you already know you want an LMN, you can request one in about two minutes and skip the rest of this guide.
Step 1. Complete a Health Assessment: You’ll answer questions about your medical history, current conditions, and the product or service you want to use your FSA/HSA funds for.
Step 2. Provider Review: A licensed healthcare provider reviews your assessment and determines whether medical necessity can be established for your purchase.
Step 3. LMN Issuance: If you qualify, the provider issues a formal Letter of Medical Necessity that meets FSA/HSA administrator requirements.
Step 4. Reimbursement: With Burst, you send us the receipt and we file the reimbursement for you, start to finish.
What it costs
$35, once. No letter, no charge. If your claim is denied, you get the $35 back. Compare that with the traditional route: a copay, a waiting room, and two weeks before anything arrives. This is $35 and about two minutes, and the letter usually lands the same day.
How long it takes
About two minutes to answer the questions. A licensed clinician reviews your request and signs the letter, usually the same day and always within 24 hours. It arrives by email as a PDF you can save and forward.
What you receive
A signed, dated Letter of Medical Necessity that names your condition and the item or service, with the clinician's credentials and license. It is valid for the period the clinician specifies, typically 12 months, and covers what you buy after it is issued.
What happens after: reimbursement
Most online LMN providers stop at step 3: they hand you a letter and leave you to figure out the reimbursement process yourself. Burst takes a fundamentally different approach.
With Burst, you buy the product you want with any payment method: your regular credit card, debit card, or Apple Pay. No need to find a store that accepts FSA/HSA cards. After your purchase, Burst’s platform verifies your eligibility, coordinates the LMN through a licensed provider, and processes the reimbursement directly to your bank account. You get your pre-tax savings without ever touching your FSA/HSA card.
Why this matters Many wellness brands and fitness services don’t accept FSA/HSA cards at checkout. Burst’s post-purchase model eliminates this friction entirely. Buy first, get reimbursed after. |
Choosing an online provider
Licensed providers: Ensure the platform uses MDs, DOs, NPs, or PAs licensed in your state.
Turnaround time: Look for 12-24 hour delivery. Anything longer than a week is a red flag.
Acceptance rate: Ask about their LMN acceptance rate with major FSA/HSA administrators.
Reimbursement support: Does the provider help you actually get reimbursed, or just hand you a letter?
Transparent pricing: No hidden fees or surprise charges.
Questions people ask before they request
Is an online LMN legitimate?
Yes. As long as the LMN is issued by a licensed healthcare provider after a legitimate clinical evaluation, it’s fully valid for FSA/HSA reimbursement purposes.
How much does an online LMN cost?
Costs vary by provider. With Burst, the letter is a flat $35, refunded if the clinician doesn’t approve it or your plan denies the claim.
What if I don’t qualify?
If a provider determines that medical necessity cannot be established, you won’t be charged for an LMN you can’t use.
Will my HSA or FSA administrator accept it?
Yes. Administrators want a signed letter from a licensed clinician that names your condition and the item, and that is exactly what you get. Burst works with every FSA/HSA administrator, including HealthEquity, Fidelity, WEX, HSA Bank, Inspira, Optum and Further. If one pushes back, we write the appeal. If the claim is denied, you get your $35 back.
Do I need to see a doctor?
No. Answer a few questions online and a licensed clinician in the Burst network reviews them. No appointment, no copay, no waiting room.
How fast is it?
About two minutes to request. Your letter usually arrives the same day, always within 24 hours.
Who files the reimbursement claim?
We do, start to finish. Send us the receipt and Burst files the claim with your administrator; the money comes back to your bank account.
I already bought it. Can I still get the letter?
Get the letter first, then buy. It covers what comes after it is issued, not what came before. If you have a recurring charge, it covers the next one onward.
Looking for a Truemed letter of medical necessity?
Any letter of medical necessity from a licensed clinician works the same way with your administrator. Burst's is $35, usually the same day, works for a purchase from any store paid with any card, and Burst files the reimbursement claim for you. No letter, no charge.
No letter, no charge. Claim denied, money back.
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