How to use your Letter of Medical of Medical Necessity (LMN) for HSA/FSA ReimbursementUpdated a month ago

Understand your LMN

1. What it is: You should have received a Letter of Medical Necessity (LMN) from Flex.

2. Purpose: The LMN substantiates that your purpose helps prevent, treat, or alleviate disease, enabling the use of tax-free HSA/FSA dollars.

3. Validity: Once issued, your LMN is valid for 12 months from the date of receipt.

Identify your HSA/FSA Administrator’s Online Portal

1. Tip: If you are unsure of your HSA/FSA administrator, consult your employer’s HR department.

Log into your HSA/FSA Administrator’s online platform

1. Action: Use your credentials to access the administrator’s online platform.

2. Note: If you don’t have an account, you may need to create one.

Locate the “Reimbursement” or “Claims” Section

1. Navigation: Most online platforms have a dedicated section for reimbursements or claims

Submit your LMN and Receipt

1. Documents required:

   1. Your LMN from 

   2. Your Receipt for the item(s) or service(s) purchased

Await Confirmation

1. Timeline: Processing typically takes anywhere from a few days to a few weeks

2. Outcome: Once approved, the reimbursement amount will be deposited directly into your designated bank account.

Repeat for Future Receipts: 

1. Reminder: You can continue to use the same LMN for future claims as long as it remains valid (within 12 months) and products and services are intended to cure, treat, mitigate, or prevent your condition.