How it works
Two paths, depending on how your plan administrator handles telehealth and compounded medications.
Use your HSA / FSA card at checkout
Most HSA and FSA debit cards work directly at OPTML checkout for consultations and labs. No paperwork. Charge it like any other card.
Or pay normally and reimburse later
Pay with any card, then submit your OPTML receipt to your plan administrator for reimbursement. We can provide an itemized receipt on request.
Letter of Medical Necessity (if needed)
For some plans, certain protocols may require a Letter of Medical Necessity from your prescribing clinician. Email info@optml.com and we'll coordinate one.
What's eligible
Eligibility ultimately depends on your plan administrator, but here's how OPTML's services generally treat under IRS guidance.
| Service | HSA / FSA | Notes |
|---|---|---|
| Physician consultation (initial & follow-up) | Eligible | Telehealth visit fees are qualified medical expenses. |
| Prescription medications | Eligible | Prescription drugs are qualified medical expenses under IRS Publication 502. |
| Lab testing (Apex Panel, biomarker panels) | Eligible | Diagnostic tests ordered by a licensed clinician qualify. |
| Ongoing clinical oversight (monthly subscription) | Eligible | The medical-care portion of your subscription qualifies. |
| Compounded preparations | Plan-dependent | Some administrators require a Letter of Medical Necessity. We'll provide one if asked. |
| Educational content & free tools | — | Not a medical expense; not reimbursable. |
Frequently asked
Is OPTML really HSA / FSA-eligible?
Yes. OPTML protocols are delivered through licensed clinicians within the Telegra MD network. Telehealth consultations, prescriptions, and lab testing ordered by a clinician are qualified medical expenses under IRS Publication 502.
Plans vary in how they treat compounded medications and ongoing-care subscriptions. If your administrator pushes back, request a Letter of Medical Necessity from us and resubmit.
What's the actual savings?
HSA and FSA contributions are pre-tax. If your combined federal + state income tax rate is 30%, every dollar you spend through HSA/FSA costs you only $0.70 in take-home pay — a 30% effective discount.
Most users save 22–40% depending on their bracket. For a $349 / month protocol, that's typically $76 to $140 / month back in your pocket.
What documentation do I need?
For most plans, your monthly OPTML receipt is sufficient. We can provide an itemized version that breaks out consultation fees, prescription costs, and care-coordination fees if your administrator requests it.
For compounded medications, some plans require a Letter of Medical Necessity (LMN) from your prescribing clinician. Email info@optml.com and we'll coordinate one with your provider.
My HSA card was declined. What now?
This is common with some administrators — they auto-decline anything coded as compounded pharmacy. Pay with any standard card and submit the receipt for reimbursement manually. The eligibility is the same; the workflow is just two-step.
Can I use my HSA for the Apex Panel?
Yes. The Apex Panel is a diagnostic lab test ordered by a licensed clinician, which is a qualified medical expense. Use your HSA / FSA card at checkout or pay and reimburse.
Does insurance cover OPTML?
No. OPTML is cash-pay and does not bill insurance. This is intentional — it keeps care direct, pricing predictable, and your records out of the insurance system. HSA / FSA dollars are the closest analog to using insurance benefits.
I don't have an HSA / FSA. Can I still get one?
HSAs are available to anyone enrolled in a high-deductible health plan (HDHP). FSAs are typically offered through an employer. Contribution limits in 2026 are $4,300 for individual HSAs and $3,300 for FSAs. Check with your HR or insurance provider during open enrollment.