IRS §213(d) · Physician-signed · No Membership Required

One letter.
$936 in tax savings.

A physician-signed Letter of Medical Necessity documents the medical necessity of home care that qualifies under IRS §213(d) — your HSA/FSA administrator makes the final eligibility determination. You submit a 5-minute intake. Sage AI prepares the draft. The medical director reviews and signs. $199 flat. 48-hour turnaround. No membership required.

verified_user Signed personally by our medical director · Board-certified Family Medicine · BCH hospitalist since 2008
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IRS §213(d)

What an LMN can cover

An LMN from a licensed physician establishes medical necessity — making qualifying expenses eligible for your HSA or FSA.

home_health

Home care services

  • check_circle co-op.care caregivers & companion care
  • check_circle Hands-on ADL assistance (bathing, dressing, mobility)
  • check_circle Personal care & homemaker services
  • check_circle Respite care & family caregiver relief
monitor_heart

Chronic condition management

  • check_circle CCM visits & telehealth consultations
  • check_circle Care coordination & care plan support
  • check_circle Medication management & reminders
  • check_circle Nutritional support & meal preparation
devices_other

Medical equipment & tech

  • check_circle Wearables prescribed for health monitoring
  • check_circle Smart home medical devices & safety tech
  • check_circle Mobility aids & adaptive equipment
  • check_circle Fall detection & emergency response systems
info

Subject to physician review and IRS §213(d) qualification. The medical director determines medical necessity on a case-by-case basis. Not all requests qualify; if denied, you pay nothing. Always verify eligibility with your HSA/FSA plan administrator.

Simple 3-step process

How it works

From intake to signed letter in 48 hours.

01
1

Submit your health summary

5-minute form. Describe your care need — home care for a parent, recovery from surgery, a chronic condition you’re managing. Sage AI prepares a clinical draft from your answers.

02
2

A physician reviews and signs

Our medical director — a BCH hospitalist since 2008 — personally reviews the AI-prepared draft, edits if needed, and signs each letter himself. Every letter. Within 48 hours.

03
3

Submit to your HSA/FSA

Upload the signed letter to your account. Expenses qualify retroactively to January 1 of the current year — even purchases you've already made.

$936
average annual tax savings per family
48 hrs
physician-reviewed letter in hand
3–5 min
The medical director personally reviews every letter — not a rubber stamp
No payment until delivery

Start your LMN — $199

Submit your request. The medical director will review and sign within 48 hours.

$199 due upon LMN delivery. Payment via Stripe or check. No payment required to submit. If the physician determines the request doesn’t qualify medically, you pay nothing.