How to file your LMN for reimbursement

A Letter of Medical Necessity only helps if you actually submit it as part of a reimbursement or purchase. Here's how to do it with the most common FSA/HSA administrators, and a generic playbook for everyone else.

Why you need an LMN in the first place

An LMN is a clinician's written statement that a product or service treats a specific medical condition. The IRS lets you use pre-tax FSA/HSA dollars on those items, even if they're not on the default eligible list. Your administrator holds onto the LMN as documentation in case your plan is ever audited.

The general process (works with every admin)

1. Log into your FSA/HSA administrator's portal. Your account is usually set up through your employer's benefits portal or directly by the administrator.

2. Find "Submit a claim" or "File for reimbursement." Sometimes it's called "Pay me back," "Reimburse yourself," or "New claim."

3. Upload two documents: your receipt (proof of purchase) and your Burst LMN PDF. Enter the purchase amount and date. Submit.

Reimbursement usually lands in your bank account within 1 to 2 weeks.

Admin-specific quick notes

HealthEquity

Log in at my.healthequity.com. Go to **Reimburse Me → Submit for Reimbursement**. Choose the expense date, enter the amount, upload the receipt and the LMN in the documents section. Funds are usually sent via ACH in 3 to 5 business days.

Optum Financial

Log in at optumfinancial.com (or your mobile app). Go to **Make a payment → Pay yourself**. Upload both documents together as "Supporting documentation." Optum often lets you categorize the expense as "Other medical expense" when it's LMN-backed.

WEX (including Discovery Benefits)

Log in at your WEX portal. Go to **File a Claim**. You'll be prompted to upload documentation before submitting. Include both the receipt and the LMN. WEX typically accepts LMN-backed claims without additional review if the LMN is on file.

Inspira Financial (formerly PayFlex)

Log in at your Inspira portal. Go to **File a Claim → Pay me back**. Upload both documents. Inspira may email a follow-up if the LMN doesn't clearly list the product. If so, reply with the full PDF attached.

Navia Benefit Solutions

Log in at naviabenefits.com or use the Navia Benefits mobile app. Select **Submit Claim**. Attach your receipt and LMN. Navia processes most claims within 1 business day.

HSA Bank, Fidelity HSA, Lively, and others

HSAs work a little differently: you can just pay yourself back from your HSA at any time, as long as you keep documentation on file in case of an IRS audit. Save both the receipt and the LMN to your own records. Most HSA providers have an optional "upload documentation" section. Use it.

A few things people trip on

Plan-year deadlines are real. Most FSAs end Dec 31 with a short grace period. Don't leave claims sitting in your inbox until January.

Keep digital copies of everything. Save the receipt and LMN to your own cloud storage, not just the administrator portal. If a plan ever gets audited, having your own copy is a headache saved.

One LMN can cover up to 12 months. You can reuse the same LMN for repeat purchases of the same product during that window. Just attach it to each new claim.

Stuck? Ask us.

We're a small team. If you're partway through filing and the admin is asking for something weird, email us at support@getburst.com and we'll help you sort it out.

Need an LMN for something? → Get one here.