Can I buy CLEARSTEM Products using my HSA or FSA?Updated 19 days ago
Using Your HSA or FSA at CLEARSTEM
Starting July 1, 2026, your pre-tax health savings dollars can work harder for your skin!
OVERVIEW
What Is HSA/FSA — and Why Does It Matter?
A Health Savings Account (HSA) or Flexible Spending Account (FSA) lets you set aside pre-tax dollars for eligible health and wellness expenses. Paying with those funds means you’re spending money that was never taxed — and that’s a real difference. Qualified customers save an average of 30%* compared to paying with a regular card.
To be clear: this is not a discount on your order. You pay full price. The savings come from using pre-tax money — your tax rate, applied to your purchase.
STEP BY STEP
How It Works at CLEARSTEM
We’ve partnered with Truemed to make it simple to use your HSA or FSA funds directly at checkout. A wide range of CLEARSTEM products are eligible — you can browse the full list on our HSA/FSA Eligible Products collection page.
A note on two of our SPF products: SUNNYSIDEKICK® and YOUARESUNSHINE™ SPF 50+ are pre-approved for HSA/FSA — meaning you can pay with your card directly at checkout with no health questionnaire or LMN required. For all other eligible products, the standard flow below applies. |
Add eligible products to your cart and head to checkout.
Select Truemed as your payment method. Avoid Shop Pay or Apple Pay — these hide the Truemed option (staying logged into your CLEARSTEM account is fine and won’t affect anything).
Complete a short health questionnaire (about 60–90 seconds). An independent, licensed clinician reviews your responses — no appointment needed.
If approved, enter your HSA/FSA card details to complete your purchase.
You’ll receive a Letter of Medical Necessity (LMN) by email. Hold onto it — the IRS requires you to keep it for 3 years.
Heads up: If you don’t see Truemed at checkout, make sure you’re not checking out with Shop Pay or Apple Pay — those payment options hide Truemed. Staying logged into your CLEARSTEM account is totally fine and won’t affect anything. |
DOCUMENTATION
What Is a Letter of Medical Necessity?
A Letter of Medical Necessity (LMN) is issued by an independent, licensed clinician confirming that a product is medically appropriate for your health needs. The IRS requires this documentation when using HSA or FSA funds on health and wellness products.
Your LMN is valid for 12 months from the issue date. You’ll get it by email, and it’s also stored in your Truemed dashboard at truemed.com for easy access.
ELIGIBILITY
What If I’m Not Approved?
Not everyone qualifies — eligibility depends on your individual health circumstances and a clinician’s assessment. That’s completely normal. Here’s what to know: the clinical review happens before you ever enter your HSA/FSA card, so if you’re not approved:
No order is placed and no payment is taken — there’s nothing to cancel.
You’ll receive an email from Truemed directly explaining the outcome.
You’re welcome to complete your purchase with a regular credit or debit card.
For questions about your specific outcome, reach out to Truemed directly at [email protected].
REIMBURSEMENT
Paid With a Regular Card? You Can Still Get Reimbursed.
If you already checked out with a credit or debit card, you may still be able to get that money back through your HSA or FSA.
Check your order confirmation email or page for your Truemed link.
Complete the short health questionnaire.
If approved, Truemed sends you an LMN and receipt.
Log into your HSA/FSA administrator’s portal, go to Reimbursements or Claims, and upload both documents.
Reimbursement timelines vary by administrator — typically a few days to a few weeks.
FAQ
Common Questions
Question | Answer |
Which products are HSA/FSA eligible? | Browse our full list on the HSA/FSA Eligible Products collection page on our website. Most CLEARSTEM skincare and supplement products qualify with an LMN. SUNNYSIDEKICK® and YOUARESUNSHINE™ SPF 50+ are pre-approved — no questionnaire needed for those. |
Why don’t I see Truemed at checkout? | Make sure you’re not checking out with Shop Pay or Apple Pay — those hide the Truemed option. Being logged into your CLEARSTEM account is unrelated and won’t cause this. Truemed also only works on our direct website, not third-party retailers like Amazon. |
Where is my LMN? | Log into your Truemed dashboard at truemed.com. Also check your spam folder — the email comes from Truemed. |
How much will I actually save? | Qualified customers save an average of 30% — equal to their income tax rate. Your exact savings depend on your personal tax situation. |
Can I use my FSA on a subscription? | Yes — pay with a regular card, complete the Truemed questionnaire post-purchase, and submit your LMN and receipt to your FSA administrator. One LMN covers recurring charges for 12 months. |
My HSA/FSA card was declined. Now what? | Check your account balance, confirm your card is active, and call your card issuer. You can also pay with a regular card and submit for reimbursement. |
Can I split payment? | Yes. Truemed’s Split Pay lets you cover part of the order with your HSA/FSA card and the rest with a regular card. Available on one-time purchases. |
Why is only part of my order eligible? | Some products are partially eligible per IRS guidelines. Your LMN and receipt will show the exact eligible amount. |
I don’t have an HSA or FSA. | Truemed is only available to customers with an active HSA or FSA. Check with your employer’s HR or benefits team about enrollment. |
SUPPORT
Still Have Questions?
We’re here for you. For questions about your CLEARSTEM order, reach out to our team directly. For anything related to your LMN, qualification status, or the Truemed process, contact Truemed support at [email protected].
*Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures.