Is Truemed Legit? What Their Letter Does and Doesn't Do
Yes, Truemed is legit. Its letters come from licensed clinicians at partner checkouts. It leaves you the claim, the appeal, the risk. Burst handles all three.
6 minute read
Short answer
Yes, Truemed is legit. It's a real company, True Medicine, Inc., and its Letters of Medical Necessity come from independent licensed clinicians. Administrators treat a Truemed letter the same way they treat any clinician's letter. The thing to know is what the letter does and doesn't do. It only exists at Truemed's partner brands' checkouts. Nobody at Truemed files your reimbursement claim. Their own terms say the letter doesn't guarantee your administrator will agree. After you get the letter, the rest is up to you.
If you want all of it handled, Burst is $35 for everything, and $0 if you don't get paid back. It's the only all-in-one option. No letter, no charge. Claim denied, money back.
Here's what you get with Burst:
Shop anywhere and pay the way you already pay.
A clinician-reviewed letter within 24 hours, or within 2 hours with expedited review.
Burst files the claim.
The money comes back to your bank account.
If the claim is denied, Burst writes the appeal and refunds you.
$35 once. On a gym membership or any monthly charge, the same letter covers the whole year.
Say you pay $60 a month for a gym, so $720 a year. Money in your FSA or HSA was never taxed, so paying from there instead of your checking account keeps about $216 that would have gone to taxes. The letter is $35 once. You come out about $180 ahead this year, and the same letter covers every payment after it. The exact figure depends on your tax bracket. Spend more than about $120 a year on anything eligible and the letter pays for itself.
What Truemed is
Truemed is an HSA/FSA payment option at brands that partner with it, and only those brands; its help center says it "generally cannot issue a standard LMN" for a purchase anywhere else. At a partner's checkout you answer a short health survey, and if you qualify, you get a letter and pay with your HSA/FSA card. Burst writes a letter for any store and files the claim.
What the letter does
A Truemed letter is the same kind of document as a letter from any licensed clinician. It says the product or service treats, prevents, or alleviates a specific condition for you, with the clinician's credentials and a date. Your administrator, the company that runs your FSA, HSA, or HRA, reviews it under the plan's own rules. A letter from Truemed, from Burst, or from your own doctor gets the same review.
What's left to you after the letter
Filing the claim
If the partner's checkout takes your HSA/FSA card, there's no claim to file. The letter is stored in case your administrator asks for it. If the checkout doesn't take the card, Truemed's how-it-works page says you pay with any card, take the survey, get the letter, and submit it to your HSA/FSA administrator yourself. Nobody at Truemed files it. Burst files the claim for you, included in the $35. You can file it yourself if you'd rather.
The appeal
Administrators ask questions, and sometimes they say no the first time. Truemed's help center tells you to file the appeal yourself under your plan's process. It says support can clarify what the administrator wants and update or reissue the letter. The appeal is still yours to write and file. Burst writes the appeal for you, every time.
If the claim is denied
Truemed's terms of service say, in capitals, that True Medicine, Inc. does not provide medical advice, medical services, or medical care. They say it does not guarantee your HSA/FSA plan administrator or employer will agree, that your reliance on any Letter of Medical Necessity is solely at your own risk, and that it does not offer refunds except in limited circumstances. Those circumstances, per the same terms, are an administrator rejection Truemed can't resolve, and only for people who signed up directly. If you bought through a partner, Truemed offers a payment at its discretion instead. With Burst, if the plan denies the claim, send Burst the denial and your $35 comes back.
Where Truemed doesn't work
Truemed's help center says it generally cannot issue a standard letter for a purchase at a store that isn't a partner. It can't issue a letter for a purchase already made outside Truemed checkout. There's a short list of exceptions, like gym memberships, saunas, exercise equipment, and fitness trackers, where it may issue a generic letter that you file yourself. For most things you buy anywhere else, there's no Truemed letter. Burst works everywhere. The request form takes any product or service, and a licensed clinician decides whether a letter is medically supportable for you.
Is Truemed legit for HSA and FSA reimbursement?
Yes. Administrators accept Letters of Medical Necessity from licensed clinicians, and Truemed's come from licensed clinicians. Two things matter more than which company wrote the letter. First, the dates. IRS rules require the letter to be dated on or before the purchase, and Truemed says it can't issue a letter for a purchase already made. Second, who handles the claim. A correct letter and a correct receipt, filed the way your administrator wants them, is what gets you paid. With Truemed, that part is on you.
Burst vs Truemed, side by side
What matters | Burst | Truemed |
|---|---|---|
What you get | The letter, the claim filed, the appeal, the refund | The letter, at a partner brand's checkout |
Where it works | Any store, any card | Partner brands only; outside them, generally no letter |
Who files the claim | Burst files it for you | Nobody; you're left to file |
If your plan pushes back | Burst writes the appeal | You file the appeal; Truemed can reissue the letter, per their help center |
If the claim is denied | Send Burst the denial and your $35 comes back | Refund for direct sign-ups only, per their terms |
How you pay | Any card you already use | Your HSA/FSA card at their checkout |
Price | $35 once, everything included | Varies by program |
How fast | Within 24 hours, or within 2 hours on expedited review ($10 more, weekdays 8am to 8pm ET) | At checkout, if you qualify |
Sources, read November 3, 2026: Truemed how it works, Truemed terms, Truemed help center on denied claims, Truemed help center on letter requirements. Burst's facts are from this site and the request page.
What your $35 covers
Everything, not just a PDF
A letter at a partner's checkout is one document. Burst's $35 pays for the letter, the claim filed with your plan in the format they want, the answers when they ask questions, the appeal if they say no, and a refund if the appeal fails. It also includes the Burst Shopping Assistant, which shows you what's eligible and how much you'll get back while you shop, and an account that finds eligible purchases you've already made. Truemed sells the letter.
It pays for itself
With Truemed, after the letter you file the claim, answer the questions, and write the appeal yourself. If your plan says no, the fee is gone unless you signed up directly and Truemed can't resolve it. Burst's $35 covers all of that. If you don't get a letter, you're refunded on its own. If the claim is denied, send Burst the denial and your $35 comes back.
A decision within 24 hours, and your claim gets filed
It takes about two minutes to request. A licensed clinician decides within 24 hours. Expedited review is $10 more and gets you a decision within 2 hours, weekdays 8am to 8pm ET. Both fees are refunded if the letter isn't approved. Once you have your receipt, Burst files the claim. Truemed stops at the letter.
The only all-in-one platform
Burst is the only all-in-one option. Connect your FSA/HSA account once. The Shopping Assistant works across hundreds of brands. Every claim is filed for you. Every pushback gets an appeal. At brands Burst already works with, reimbursement is automatic. The same account works for the next thing you buy. Truemed is a button that only works at a partner's checkout.
Frequently asked questions
Is Truemed a legitimate company?
Yes. Truemed is True Medicine, Inc., a venture-backed company whose letters are written by independent licensed clinicians at partner brands' checkouts. What you have to decide is whether a letter at a partner checkout, with the claim left to you, is what you need.
Does Truemed file my reimbursement claim?
No. If the partner's checkout takes your HSA/FSA card, the letter is kept for your records. If it doesn't, you submit the letter and receipt to your administrator yourself. Burst files the claim for you.
Can I get a Truemed letter for a gym that isn't a partner?
Sometimes. Truemed's help center lists gym memberships among the exceptions where it may issue a generic letter you file yourself. For most other non-partner purchases, there's no letter. Burst writes a letter for any gym, studio, or provider and files the claim.
Will my administrator accept a Truemed letter?
Administrators review every Letter of Medical Necessity the same way, whoever wrote it. Truemed's terms say it doesn't guarantee your administrator will agree, and no provider can. The difference is what happens next. Burst writes the appeal and refunds your $35 if the claim is still denied.
Can Truemed write a letter for something I already bought?
No, and neither can anyone else. IRS rules require the letter to be dated on or before the purchase it covers. Get the letter first, then buy.
What's a Truemed alternative that works at any store?
Burst. $35 once, a decision within 24 hours or within 2 hours on expedited review, any store, any card. Burst files the claim, writes the appeal, and refunds you if the claim is denied. See the best online LMN providers, compared.
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 within 24 hours if approved, or within 2 hours with expedited review. Then buy from any store with any card, and Burst files the reimbursement claim for you, start to finish; your administrator pays the reimbursement out of your account to you. 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.
More for shoppers: How a Truemed letter of medical necessity works, Burst vs Truemed vs Flex for shoppers, and How to Get a Letter of Medical Necessity Online.
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