Use Your HSA/FSA for the Belle App

A Letter of Medical Necessity (LMN) is a document from a licensed healthcare provider that confirms a specific product or service is medically necessary for your condition.

For HSA/FSA use, an LMN is often required when the expense isn’t automatically covered — like in the case of the PMDD Course — to verify that it’s tied to a diagnosed condition such as PMDD.

Thanks to our integration with Flex, obtaining an LMN is built into the checkout process. A physician reviews your brief health questionnaire and issues the LMN for you — so you’ll have the documentation needed to use your HSA/FSA funds confidently.

Yes. Even if you don’t use an actual HSA or FSA debit card at checkout, you can still use your HSA/FSA funds through post-purchase reimbursement.

To do this, simply check out as usual, but when prompted for payment, enter your personal credit or debit card instead of an HSA/FSA card. The Flex system will still collect the necessary information and generate an itemized receipt (and a Letter of Medical Necessity, if needed) for your purchase.

Afterward, you can submit that receipt and the LMN to your HSA/FSA plan administrator for reimbursement from your account. In short, you’ll pay out of pocket initially, but you’ll have everything you need to get reimbursed from your HSA/FSA.

Tip: This is especially helpful if you have an HSA/FSA but don’t have the card handy, or if your HSA plan requires you to file claims manually.

Please note: We are unable to issue refunds for purchases made using HSA/FSA funds.

Short answer: No.

HSA and FSA accounts are U.S.-based health benefit programs, so they’re generally only available to U.S. customers. If you live outside the U.S. and don’t have an HSA/FSA, you won’t be able to use one for the Belle PMDD Course.

You can still enroll using a regular credit/debit card, but without the tax benefits of an HSA/FSA.

Note: If you’re an international customer with a U.S.-based HSA/FSA, check with your provider to see if reimbursement is possible.

We’re working on expanding PMDD support through more global healthcare systems — stay tuned!

Not long at all — the eligibility consult is quick and easy.

During checkout, you’ll fill out a short online questionnaire that takes about 2–3 minutes to complete. There’s no live doctor appointment or long forms — just a few health-related questions.

Once submitted, a physician reviews your responses, usually within the same day. Your Letter of Medical Necessity is typically issued within 24 hours of purchase. The process is fast and won’t delay your access to the course.

It depends on how you pay:

If you pay directly with your HSA/FSA card at checkout, there’s no reimbursement process — you’ve already used your tax-free funds. In that case, you’re all set! Just keep your emailed receipt and Letter of Medical Necessity (LMN) on file in case your provider requests documentation.

If you pay with a regular credit or debit card and want to be reimbursed later, you’ll need to submit a claim manually to your HSA/FSA provider. After purchase, Flex will send you an itemized receipt and your LMN. You must then submit those documents through your provider’s app, portal, or form. Reimbursement timelines vary, but many providers process approved claims within a few business days.

Reminder:

HSA/FSA eligibility can vary by plan. Obtaining an LMN does not guarantee reimbursement, as final approval lies with your HSA/FSA administrator. We recommend checking your plan details before purchasing. Belle Health and Flex cannot offer tax or legal advice and are not responsible for reimbursement decisions.