Payment
Payment questions before checkout
The short version
A checkout page answers how to pay. It may not answer what the payment covers. Get that answer first.
An HSA (health savings account) and an FSA (flexible spending account) are accounts some people use to pay medical bills.
As of September 2026, federal tax rules generally say money from these accounts should pay for care of a condition that a doctor or other clinician has diagnosed.
The company that runs your plan or account may ask for a letter of medical necessity. That is a note from your clinician saying why you need the care. The IRS does not require that letter from everyone.
Questions for the service
- Will this charge repeat automatically?
- What date will the next charge occur?
- Does cancellation stop both care and medicine shipments?
- Is there a charge if the clinician decides not to prescribe?
- Will I receive an itemized receipt?
- Who handles a billing error?
Questions for a health plan or account
- Is this service covered at all?
- Is prior approval needed?
- What records are needed for reimbursement?
- Does the company that runs my HSA or FSA need a letter, or the code that names my diagnosis?
- If one fee covers several things, which of those things can the account pay for?
One useful rule
Treat “eligible,” “covered,” and “reimbursed” as different words. Ask the organization that controls the money which one it means.