The Fastest Way to Unlock Your HSA/FSA Funds

1. Shop

New purchases or past unclaimed expenses

2. Submit

Upload receipts instantly or connect accounts

3. Save

Our doctors sign-off on your savings.

1. Shop

New purchases or past
unclaimed expenses

2. Submit

Upload receipts instantly
or connect accounts

3. Save

Our doctors sign-off
on your savings.

The Fastest Way to Unlock Your HSA/FSA Funds

See If My Purchases Qualify

Where People Get Stuck With HSA/FSA (and How We Fix It)

“I’m not sure which purchases qualify or what I’ve missed.”

Upload receipts or connect accounts and we find all your eligible items.

“The reimbursement requirements are confusing and time-consuming."

Just upload or connect accounts and we prepare everything for reimbursement.

"I had no idea so many wellness items could qualify.”

We provide the reimbursement letter (LMN) and patented tech that expands what qualifies.

“I didn’t know subscriptions could be reimbursed.”

With one reimbursement letter (LMN), your subscriptions are covered all year.

Where People Get Stuck With HSA/FSA (and How We Fix It)

“I’m not sure which purchases qualify or what I’ve missed.”

Upload receipts or connect accounts and we find all your eligible items.

“The reimbursement requirements are confusing and time-consuming."

Just upload or connect accounts and we prepare everything for reimbursement.

"I had no idea so many wellness items could qualify.”

We provide the reimbursement letter (LMN) and patented tech that expands what qualifies.

“I didn’t know subscriptions could be reimbursed.”

With one reimbursement letter (LMN), your subscriptions are covered all year.

Want more than just HSA/FSA reimbursements?

Reimbursement letters unlock what your HSA/FSA really covers.

30-day promise: Save $500 or unlock $5K worth of Premium benefits FREE.

1 Reimbursement Letter (LMN)

$25

Get Reimbursed Now

Pay As You Go

$500/year

Basic

$50

/ month

4% cash-back credit card

Coming Soon

Start With Basic

Annual Estimated Savings: +$2,500

$1000/year

Premium

$100

/ month

4% cash-back credit card

Coming Soon

Go Premium

Annual Estimated Savings: +$5,000

The membership that pays for itself.

Get reimbursed for ANY health or wellness product. Save thousands more with your HSA.

What our Customers are saying

Premium Member

I didn’t think I’d be able to set up my inbox so easily. It scanned everything and flagged items I didn’t even know could be approved. Took five minutes and saved me hundreds.

Chloe R., Brooklyn, NY

My bloodwork showed I was low in iron. Wellness Pay got me approved for Ritual multivitamins and heme iron supplements using my FSA. I used to pay out of pocket, now it’s covered.

Angela P., Scottsdale, AZ

Premium Member

I used to get hit with denied claims all the time. Now I just check what’s eligible before I buy. It’s already saved me over $600.

David L., San Diego, CA

I thought Wellness Pay was just for supplements. Then I booked a free doctor visit, got approvals tailored to me, and found out I could use it on therapy too.

Jamal H., Atlanta, GA

Premium Member

I’ve saved over $1,000 this year using Wellness Pay. But the best part is finally not paying full price for the products I actually use every day.

Jordan M., Chicago, IL

I’ve struggled with sleep for years. After my consult, the doctor approved melatonin and magnesium gummies through my FSA. I used to pay $60 a month — now it’ part of my Wellness Pay plan.

Priya S., Seattle, WA

Feel better.
Spend smarter.
Wellness Pay
helps you do both.

Feel better. Spend smarter. Wellness Pay helps you do both.

Can Wellness Pay really unlock more HSA/FSA-eligible reimbursements for me?

Yes. We combine patented tech with real medical oversight to help you unlock savings you’d normally miss. Our licensed doctors review your health through a one-time live onboarding consult and issue compliant Letters of Medical Necessity tailored to your needs. This lets you use HSA/FSA funds on a wider range of products from supplements and fitness gear to sleep aids, therapy tools, and more. It’s all backed by proper documentation and full IRS compliance.

Can Wellness Pay find past purchases I already made that qualify?

Yes. Our patented tech scans your email, Amazon, bank, and retail accounts to find wellness products you’ve already bought, then flags what qualifies. We help you submit for reimbursement and track eligibility over time. We currently scan up to 12 months back, with longer lookbacks coming soon. It’s not just about future savings. We help you get paid back for what you’ve already spent.

How is the onboarding call different from a telehealth visit? Do I actually talk to a doctor?

Yes. Every Wellness Pay member starts with a short onboarding call with a licensed doctor. This isn’t a sales pitch or a form it’s a real medical consult to establish care and issue IRS-compliant Letters of Medical Necessity based on your health needs. This call is required to keep your documentation valid and audit-safe. It’s not the same as a telehealth visit. Basic members get one full telehealth appointment per year, while Premium members get unlimited doctor access plus diagnostic labs.

Why is Wellness Pay more secure and compliant than other HSA/FSA platforms?

Other services get paid by brands to approve your purchase, which can lead to denied reimbursements or IRS audits. With Wellness Pay, your doctor approval is real, independent, and fully compliant. That means your claim gets accepted, your money comes back faster, and you stay protected if you're ever audited.

What does LMN mean and how does it work?

LMN is a Letter of Medical Necessity - basically a doctor's note saying you need something for your health. Here's how easy we make it: Let's say your blood panel shows low magnesium and you're having sleep issues. Your onboarding doctor can immediately write an LMN for magnesium supplements, melatonin, and even a sleep tracking device - all HSA/FSA eligible. Our proprietary technology handles the paperwork automatically, so you just shop and checkout like normal. No forms, no waiting, no hassle.

Wait, you prepare claim paperwork for free?

Correct. For every purchase that is already eligible under IRS rules (like prescriptions, first aid, or sunscreen SPF 15+), Wellness Pay prepares all the paperwork you need at no cost. If an item is LMN eligible, meaning it qualifies only with a doctor’s Letter of Medical Necessity such as supplements, fitness equipment, or therapy, we connect you with our licensed physicians to provide that note quickly and securely. The only time there is a fee is for that doctor’s review. Finally, some purchases are non-eligible, like cosmetic products or general gym memberships, which cannot be reimbursed even with a doctor’s note. Wellness Pay makes the process clear, flags what qualifies, and ensures you always have the right documentation ready to submit.

How It Works

Set up in minutes. Start saving for life.

Already bought supplements, therapy, fitness gear, or sleep tech? Upload receipts or link your email or shopping accounts. We'll auto-flag what qualifies.

We check your purchases and take care of all medical paperwork. If a doctor’s note (LMN) is required, we’ll get it approved within 24 hours.

Once approved, submit to your HSA or FSA provider and get reimbursed. It’s fast, secure, and fully IRS compliant.

Already bought supplements, therapy, fitness gear, or sleep tech? Upload receipts or link your email or shopping accounts. We'll auto-flag what qualifies.

We check your purchases and take care of all medical paperwork. If a doctor’s note (LMN) is required, we’ll get it approved within 24 hours.

Once approved, submit to your HSA or FSA provider and get reimbursed. It’s fast, secure, and fully IRS compliant.