One letter.
$936 in tax savings.
A physician-signed Letter of Medical Necessity makes your home care HSA/FSA-eligible under IRS §213(d). You submit a 5-minute intake. Sage AI prepares the draft. Josh Emdur, DO reviews and signs. $199 flat. 48-hour turnaround. No membership required.
What an LMN can cover
An LMN from Josh establishes medical necessity — making qualifying expenses eligible for your HSA or FSA.
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
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
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
Subject to physician review and IRS §213(d) qualification. Josh Emdur DO 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.
How it works
From intake to signed letter in 48 hours.
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.
Josh reviews and signs
Josh Emdur, DO — BCH hospitalist since 2008 — personally reviews the AI-prepared draft, edits if needed, and signs each letter himself. Every letter. Within 48 hours.
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.
Start your LMN — $199
Submit your request. Josh will review and sign within 48 hours.