Letter of Medical Necessity
Letter of Medical Necessity
Fast, Frictionless LMNs
Fast, Frictionless LMNs
Fast, Frictionless LMNs
Flex automates Letters of Medical Necessity in under a minute, so customers can complete purchases seamlessly and brands can increase their conversion rates.
Flex automates Letters of Medical Necessity in under a minute, so customers can complete purchases seamlessly and brands can increase their conversion rates.
Flex automates Letters of Medical Necessity in under a minute, so customers can complete purchases seamlessly and brands can increase their conversion rates.
Conversion Lift
+30%
More shoppers complete checkout with HSA/FSA
Conversion Lift
+30%
More shoppers complete checkout with HSA/FSA
Conversion Lift
+30%
More shoppers complete checkout with HSA/FSA
Conversion Lift
+30%
More shoppers complete checkout with HSA/FSA
AOV LIFT
+50%
Customers spend more using health benefit funds
AOV LIFT
+50%
Customers spend more using health benefit funds
AOV LIFT
+50%
Customers spend more using health benefit funds
AOV LIFT
+50%
Customers spend more using health benefit funds
Fewer Returns
-10%
Fewer returns when buyers use pre-tax dollars
Fewer Returns
-10%
Fewer returns when buyers use pre-tax dollars
Fewer Returns
-10%
Fewer returns when buyers use pre-tax dollars
Fewer Returns
-10%
Fewer returns when buyers use pre-tax dollars
Repeat Buyers
+92%
Of surveyed customers said they'll return because of HSA/FSA
Repeat Buyers
+92%
Of surveyed customers said they'll return because of HSA/FSA
Repeat Buyers
+92%
Of surveyed customers said they'll return because of HSA/FSA
Repeat Buyers
+92%
Of surveyed customers said they'll return because of HSA/FSA
Benefits
Benefits
Flex expands your eligibility catalogue with instant LMNs
Increase conversion by generating LMNs directly in checkout
Customers can complete an LMN in under a minute without leaving the purchase flow, eliminating friction and reducing drop-off for dual-purpose products.
Increase conversion by generating LMNs directly in checkout
Customers can complete an LMN in under a minute without leaving the purchase flow, eliminating friction and reducing drop-off for dual-purpose products.
Increase conversion by generating LMNs directly in checkout
Customers can complete an LMN in under a minute without leaving the purchase flow, eliminating friction and reducing drop-off for dual-purpose products.
Support reimbursement with post-purchase LMN access
Shoppers who pay with a standard card can quickly generate an LMN after checkout to submit for reimbursement, ensuring you don’t lose sales on LMN-required products.
Support reimbursement with post-purchase LMN access
Shoppers who pay with a standard card can quickly generate an LMN after checkout to submit for reimbursement, ensuring you don’t lose sales on LMN-required products.
Support reimbursement with post-purchase LMN access
Shoppers who pay with a standard card can quickly generate an LMN after checkout to submit for reimbursement, ensuring you don’t lose sales on LMN-required products.
Expand your eligible catalog without adding compliance risk
Automated LMN generation unlocks more HSA/FSA-eligible SKUs while ensuring every document meets IRS requirements—no manual review needed.
Expand your eligible catalog without adding compliance risk
Automated LMN generation unlocks more HSA/FSA-eligible SKUs while ensuring every document meets IRS requirements—no manual review needed.
Expand your eligible catalog without adding compliance risk
Automated LMN generation unlocks more HSA/FSA-eligible SKUs while ensuring every document meets IRS requirements—no manual review needed.
How it works
How it works
Generating a LMN with Flex
Direct Payments
Reimbursements
Step 1
Shoppers browse your website and look for products eligible to purchase with HSA/FSA
Step 2
At checkout, they choose the Pay with HSA/FSA (Flex) option
Step 3
Shoppers complete a short flow to receive a Letter of Medical Necessity
Step 4
Shoppers enter their HSA/FSA card details and complete the purchase instantly
Direct Payments
Reimbursements
Step 1
Shoppers browse your website and look for products eligible to purchase with HSA/FSA
Step 2
At checkout, they choose the Pay with HSA/FSA (Flex) option
Step 3
Shoppers complete a short flow to receive a Letter of Medical Necessity
Step 4
Shoppers enter their HSA/FSA card details and complete the purchase instantly
Direct Payments
Reimbursements
Step 1
Shoppers browse your website and look for products eligible to purchase with HSA/FSA
Step 2
At checkout, they choose the Pay with HSA/FSA (Flex) option
Step 3
Shoppers complete a short flow to receive a Letter of Medical Necessity
Step 4
Shoppers enter their HSA/FSA card details and complete the purchase instantly
Features
Features
Everything You Need to Automate LMNs at Scale
Flex handles LMN eligibility, collection, generation, delivery, and storage—whether customers need documentation during checkout or after a standard-card purchase for reimbursement. The experience is optimized for mobile, fully compliant, and built into your existing checkout flow.
Pre-Purchase
Confirms eligibility and generates an LMN instantly during checkout so customers can complete their purchase without delay.
Pre-Purchase
Confirms eligibility and generates an LMN instantly during checkout so customers can complete their purchase without delay.
Pre-Purchase
Confirms eligibility and generates an LMN instantly during checkout so customers can complete their purchase without delay.
Pre-Purchase
Confirms eligibility and generates an LMN instantly during checkout so customers can complete their purchase without delay.
Mobile-Optimized Flow
Most wellness checkouts occur on mobile, so our chatbot-style, mobile-friendly design ensures customers stay in checkout flow.
Mobile-Optimized Flow
Most wellness checkouts occur on mobile, so our chatbot-style, mobile-friendly design ensures customers stay in checkout flow.
Mobile-Optimized Flow
Most wellness checkouts occur on mobile, so our chatbot-style, mobile-friendly design ensures customers stay in checkout flow.
Mobile-Optimized Flow
Most wellness checkouts occur on mobile, so our chatbot-style, mobile-friendly design ensures customers stay in checkout flow.
Automated Compliance
Every document is signed by a licensed provider, stored securely, and aligned to IRS Publication 502 requirements.
Automated Compliance
Every document is signed by a licensed provider, stored securely, and aligned to IRS Publication 502 requirements.
Automated Compliance
Every document is signed by a licensed provider, stored securely, and aligned to IRS Publication 502 requirements.
Automated Compliance
Every document is signed by a licensed provider, stored securely, and aligned to IRS Publication 502 requirements.
Reimbursement
Provides LMNs post-purchase for shoppers who paid with a traditional credit/debit card, reducing lost sales on LMN-required products.
Reimbursement
Provides LMNs post-purchase for shoppers who paid with a traditional credit/debit card, reducing lost sales on LMN-required products.
Reimbursement
Provides LMNs post-purchase for shoppers who paid with a traditional credit/debit card, reducing lost sales on LMN-required products.
Reimbursement
Provides LMNs post-purchase for shoppers who paid with a traditional credit/debit card, reducing lost sales on LMN-required products.
Testimonials
Testimonials
Why brands love Flex
“The integration was smooth from start to finish. The Flex team was incredibly responsive and supportive, and their marketing guides helped us optimize the experience from day one.”
Emillee Simon
Senior Manager of E-Commerce, Kindred Bravely
“The integration was smooth from start to finish. The Flex team was incredibly responsive and supportive, and their marketing guides helped us optimize the experience from day one.”
Emillee Simon
Senior Manager of E-Commerce, Kindred Bravely
“The integration was smooth from start to finish. The Flex team was incredibly responsive and supportive, and their marketing guides helped us optimize the experience from day one.”
Emillee Simon
Senior Manager of E-Commerce, Kindred Bravely
"Setup was quick and painless. Giving customers another option, especially given our higher average order value, makes our product more accessible to people who might not otherwise have had the funds to buy."
Alex Burcham
Marketing Manager, Chilipad
"Setup was quick and painless. Giving customers another option, especially given our higher average order value, makes our product more accessible to people who might not otherwise have had the funds to buy."
Alex Burcham
Marketing Manager, Chilipad
"Setup was quick and painless. Giving customers another option, especially given our higher average order value, makes our product more accessible to people who might not otherwise have had the funds to buy."
Alex Burcham
Marketing Manager, Chilipad
“The marketing materials Flex provided were phenomenal. We used their landing page and email examples as inspiration, layered in our branding, and saw campaigns perform better than almost anything else.”
Paige Smith
Head of Brand Marketing, AMMD by Amy Myers MD
“The marketing materials Flex provided were phenomenal. We used their landing page and email examples as inspiration, layered in our branding, and saw campaigns perform better than almost anything else.”
Paige Smith
Head of Brand Marketing, AMMD by Amy Myers MD
“The marketing materials Flex provided were phenomenal. We used their landing page and email examples as inspiration, layered in our branding, and saw campaigns perform better than almost anything else.”
Paige Smith
Head of Brand Marketing, AMMD by Amy Myers MD
“Absolutely, I’d recommend Flex. It’s a user-friendly platform backed by an amazing, knowledgeable team. They make a complex process — both technically and financially — feel easy. And the results speak for themselves.”
Harry Yu
Senior Brand & Partnerships Manager, Airdog
“Absolutely, I’d recommend Flex. It’s a user-friendly platform backed by an amazing, knowledgeable team. They make a complex process — both technically and financially — feel easy. And the results speak for themselves.”
Harry Yu
Senior Brand & Partnerships Manager, Airdog
“Absolutely, I’d recommend Flex. It’s a user-friendly platform backed by an amazing, knowledgeable team. They make a complex process — both technically and financially — feel easy. And the results speak for themselves.”
Harry Yu
Senior Brand & Partnerships Manager, Airdog
"The Flex integration through RevenueCat made it simple for Ladder to offer subscriptions via HSA and FSA cards — a major unlock for our users and an effective new growth lever. "
Ryan Mott
VP of Data Product at Ladder
"The Flex integration through RevenueCat made it simple for Ladder to offer subscriptions via HSA and FSA cards — a major unlock for our users and an effective new growth lever. "
Ryan Mott
VP of Data Product at Ladder
"The Flex integration through RevenueCat made it simple for Ladder to offer subscriptions via HSA and FSA cards — a major unlock for our users and an effective new growth lever. "
Ryan Mott
VP of Data Product at Ladder
“The integration was smooth from start to finish. The Flex team was incredibly responsive and supportive, and their marketing guides helped us optimize the experience from day one.”
Emillee Simon
Senior Manager of E-Commerce, Kindred Bravely
"Setup was quick and painless. Giving customers another option, especially given our higher average order value, makes our product more accessible to people who might not otherwise have had the funds to buy."
Alex Burcham
Marketing Manager, Chilipad
“The marketing materials Flex provided were phenomenal. We used their landing page and email examples as inspiration, layered in our branding, and saw campaigns perform better than almost anything else.”
Paige Smith
Head of Brand Marketing, AMMD by Amy Myers MD
“Absolutely, I’d recommend Flex. It’s a user-friendly platform backed by an amazing, knowledgeable team. They make a complex process — both technically and financially — feel easy. And the results speak for themselves.”
Harry Yu
Senior Brand & Partnerships Manager, Airdog
"The Flex integration through RevenueCat made it simple for Ladder to offer subscriptions via HSA and FSA cards — a major unlock for our users and an effective new growth lever. "
Ryan Mott
VP of Data Product at Ladder