Save 30% using yourHSA or FSA funds

HSA and FSA accounts let you set aside pre-tax income for eligible health expenses. Because that money is never taxed, you effectively stretch your purchasing power — that's where the average 30% saving comes from. Rather than paying tax on income and then spending it, eligible customers use those pre-tax dollars on Calocurb directly.

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are accounts that let you set aside pre-tax income for eligible healthcare expenses. If you're unsure whether you have one, check with your employer or insurance provider.

The main difference is flexibility. HSAs are tied to high-deductible health plans (HDHPs) and unused funds roll over each year — they're yours to keep and invest. FSAs are offered by any employer but most FSA funds expire December 31. For 2026: HSA limits are $4,400 (individual) or $8,750 (family), plus a $1,000 catch-up if you're 55 or older. The FSA limit is $3,400, with up to $680 carryover allowed.

Yes, for qualified customers. Select Truemed — Pay with HSA/FSA at checkout and complete a quick health assessment. An independent licensed clinician reviews your answers. If approved, a Letter of Medical Necessity is issued and you can pay with your HSA/FSA card, or submit for reimbursement if you've already paid by credit card. Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures.

Yes, for qualified customers, with a Letter of Medical Necessity. GLP-1 prescription drugs (like Ozempic and Wegovy) qualify with a valid prescription. GLP-1 activator supplements like Calocurb are dietary supplements — they qualify for eligible customers when a licensed clinician documents their use as treatment for a diagnosed condition such as obesity or metabolic disease. Calocurb's Truemed integration handles that clinician review process.

An LMN is a document issued by an independent, licensed clinician confirming that a purchase is being used to treat, mitigate, or prevent a specific diagnosed medical condition. Once issued, the listed items qualify as medical expenses under IRS Section 213(d) — in the same category as a prescription drug or doctor's visit. Your Truemed LMN is specific to Calocurb and valid for 12 months.

Your Truemed LMN is valid for 12 months from the date it's issued. After 12 months, you'll need to renew — especially important if you're on a subscription. For subscription customers: contact Truemed support within 30 days of your LMN expiry to continue submitting claims without a gap.

Eligibility is ultimately determined by your HSA/FSA administrator, not by Truemed or Calocurb. If a claim is denied, contact Truemed support at support@truemed.com — they can assist with documentation or a revised LMN. Some administrators are less familiar with LMN-based claims, and Truemed's team can help navigate that process.

Yes. If you pay by regular credit card through Truemed checkout, Truemed will email you a reimbursement guide once your LMN is issued. You then submit that to your HSA/FSA administrator for reimbursement. You can also split payment between your HSA/FSA card and a credit card if your balance doesn't cover the full amount.

There's no cost to you when shopping with a Truemed partner merchant like Calocurb. Truemed's service is free for customers.

Most FSA balances expire on December 31 each year. Some employers offer a grace period (until March 15) or allow up to $680 to carry over into the following year — but not both options at once. If you have unspent FSA funds, check your plan details and spend before you lose them. Truemed's LMN process usually takes 1–2 days, so allow time if you're close to the December deadline.

Your LMN is usually issued within 1–2 days of completing the health survey; often sooner. In some cases it may take a little longer. If your LMN hasn't arrived, check your spam folder, then contact Truemed at support@truemed.com for assistance.