Quick answer: Crates Health can issue Letters of Medical Necessity (LMNs) for any HSA or FSA admin — no exceptions. Crates fills and sends the claim for Bank of America, Fidelity, FSAFEDS (FSA only), HealthEquity, HSA Bank, Navia, Optum, and WEX, when the account type matches. If your admin isn't on that list, you can still use Crates for your LMN and then submit for reimbursement to your HSA/FSA admin yourself.
LMN Support (All HSA/FSA Admins)
Crates can issue Letters of Medical Necessity for any HSA or FSA admin. It doesn't matter who your admin is — we've got you covered for LMNs.
Examples include: - HealthEquity - Fidelity - Optum / Optum Bank / Optum Financial - HSA Bank - Bank of America - WEX / Discovery Benefits - Navia - FSAFEDS (for federal employees) - Lively - Further (formerly SelectAccount) - P&A Group - Inspira Financial - Benefit Resource (Beniversal) - DataPath - Cigna - And hundreds more
Reimbursement Support (Select Admins)
For reimbursement support directly through the Crates platform, we currently support these admins:
HealthEquity
Fidelity
Optum
HSA Bank
Bank of America
WEX
Navia
FSAFEDS (FSA only)
With these admins, Add a receipt on Letters and reimbursements, then Continue reimbursement. Crates fills and sends the claim when the account type matches. FSAFEDS is FSA only.
If Your Admin Has Direct Reimbursement Support
If your HSA/FSA admin is one of the eight listed above, here's the process:
When you get a letter, Step 1 of 2 asks Where is your health account held? Choose HSA or FSA, then the administrator, or My administrator isn't listed and type the name. No SSN or account number. You can also set this under Profile, HSA or FSA.
A positive eligibility result does not issue a letter. A confirmed catalog product shows Letter issues right away. A custom product, or anything not confirmed, shows Further review required.
Getting a letter needs a letter left on the plan, an administrator chosen, and current health answers. Each product needs its own letter.
Purchase the product
Get your itemized receipt
On Letters and reimbursements, switch to Receipts and reimbursements (on a phone, Receipts). Add a receipt. Files can be JPEG, PNG, GIF, or PDF, up to 4 MB each.
When you are ready, the receipt shows Continue reimbursement. Crates fills and sends the claim when the account type matches. FSAFEDS is FSA only.
The administrator decides the payout and timing. Administrators do not share payout updates with Crates.
If Your Admin Isn't Listed
If you don't see your specific admin above, don't worry. We can issue LMNs for any HSA or FSA admin. Here's the process:
When you get a letter, Step 1 of 2 asks Where is your health account held? Choose HSA or FSA, then the administrator, or My administrator isn't listed and type the name. No SSN or account number. You can also set this under Profile, HSA or FSA.
A positive eligibility result does not issue a letter. A confirmed catalog product shows Letter issues right away. A custom product, or anything not confirmed, shows Further review required.
Getting a letter needs a letter left on the plan, an administrator chosen, and current health answers. Each product needs its own letter.
Purchase the product
Open Letters and reimbursements and choose View the original letter. The letter and the receipt stay available to download.
Get your itemized receipt from the purchase
Go to your HSA/FSA admin's portal
Upload both the LMN and the receipt
Submit for reimbursement through your admin's portal
Admin-Specific Tips
HealthEquity
Upload receipts and LMNs through their member portal or mobile app. Generally smooth process for wellness reimbursements.
Navia
Can be strict on what they consider "eligible products." Always submit your LMN alongside your receipt. If denied, ask for the specific reason and reach out to us for help.
FSAFEDS (Federal Employees)
Submit claims through the FSAFEDS portal. Federal employee FSAs follow standard IRS rules. LMNs are accepted for eligible wellness expenses.
Inspira Financial
Often requests itemized receipts (not just a credit card statement). Make sure your receipt clearly shows the product name and amount.
Optum
Note that Optum Financial and Optum Bank are technically different entities but serve similar functions. For FSA claims, submit through their claims portal.
Fidelity (HSA)
One of the simplest HSA admins. Keep your receipts and LMN for your own records in case of an IRS audit.
Frequently Asked Questions
Does Crates submit my claim for me, or do I submit it myself? It depends on your admin. Crates fills and sends the claim for Bank of America, Fidelity, FSAFEDS (FSA only), HealthEquity, HSA Bank, Navia, Optum, and WEX, when the account type matches. On Letters and reimbursements, Add a receipt, then Continue reimbursement. For any other administrator, you submit the letter and the receipt yourself. Both stay available to download.
I'm with Cigna. Does Crates work with Cigna? Yes — we can issue LMNs for Cigna members. We're actively working on expanding our direct reimbursement integrations. Cigna is not one of the administrators Crates can send to. You submit the letter and the receipt yourself. Open Letters and reimbursements and choose View the original letter.
Can I switch HSA admins and still use Crates? Yes. Crates works independently of your HSA/FSA admin. If you switch admins, your Crates account and LMNs remain the same. You can update the administrator under Profile, HSA or FSA, or when you get a letter. Step 1 of 2 asks Where is your health account held? If the letter was written for an administrator you no longer use, the app can tell you to contact Crates instead of sending the request to the new account.
My employer changed our FSA admin. Do I need to do anything on Crates? Yes. Update the administrator under Profile, HSA or FSA. If the letter was written for an administrator you no longer use, the app can tell you to contact Crates instead of sending the request to the new account. Crates fills and sends a claim only when the administrator and account type match a form it has. That said, the existing LMNs you have and the purchases you already made remain valid for your previous FSA admin.
Still Need Help?
Not sure how to submit a claim to your specific admin? Chat with us or email [email protected] and we'll walk you through it.