Quick Answer: Even if your admin isn't one of our 8 supported admins, Crates still works with them. You'll get your LMN from Crates, download it, make your purchase, and submit the LMN and itemized receipt to your admin's portal yourself. Our LMNs meet IRS requirements and work with any HSA/FSA admin.
Crates Works With All Admins
Crates can issue LMNs for any HSA/FSA admin. Whether your admin is a major national one or a small regional one, the documentation meets the same IRS standard.
The difference is in the reimbursement process:
Supported admins (8 total): HealthEquity, Fidelity, Optum, HSA Bank, Bank of America, WEX, Navia, and FSAFEDS — you can upload your itemized receipt to Crates and use one-click reimbursement directly from your Crates dashboard.
All other admins: You get your LMN from Crates, download it, and submit it along with your itemized receipt through your admin's own portal.
How to Submit When Your Admin Isn't Supported
Step 1: Get Your LMN Through Crates
Complete your health survey and receive your Letter of Medical Necessity as usual.
Step 2: Make Your Purchase
Buy your product wherever you normally would. Save the itemized receipt (showing product name, date, amount, and merchant).
Step 3: Download Your LMN
Download your LMN from your Crates dashboard.
Step 4: Submit Through Your Admin's Portal
Log into your admin's website or app and: 1. Find the "Submit a Claim" or "Request Reimbursement" section 2. Upload your itemized receipt from the retailer 3. Upload your Letter of Medical Necessity from Crates 4. Enter the amount and date 5. Submit
Step 5: Wait for Processing
Your admin will review and process the claim according to their standard timeline.
Admins Our Members Have Used Successfully
Beyond our 8 supported admins, members have successfully submitted claims through:
Beniversal (Benefit Resource)
Benefit Wallet
PayFlex
TASC
Inspira
And many more
We're continuously working to expand our supported admin list. Our goal is 100% coverage.
If Your Admin Causes Issues
Some less common admins may have unique requirements or quirks. If you run into trouble:
Get the specific denial reason from your admin
Contact Crates — Tell us which admin you have and what they said
We'll help you navigate it — We may be able to provide additional documentation, different formatting, or other solutions
Tips for Non-Supported Admins
Research your admin's claim process before you need it — find out how to submit claims, what documentation they require, and their processing timeline
Call their customer service and ask specifically: "How do I submit a reimbursement claim for an expense with a Letter of Medical Necessity?" This tells you exactly what to expect.
Check with your employer's HR department — They may have specific guidance or contacts at the admin
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Still Need Help?
Chat with us or email [email protected] and tell us which admin you have. We'll walk you through the process for your specific situation.