One letter.
Documents your eligibility.
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 send a short request. Sage AI prepares the draft. A licensed physician signs, or declines. Nothing is charged or sold on this page.
What an LMN can cover
An LMN from a licensed physician documents medical necessity for care that already qualifies under your HSA or FSA rules.
Home care services
- check_circle Companion care
- check_circle Hands-on ADL assistance (bathing, dressing, mobility)
- check_circle Personal care & homemaker services
- check_circle Respite care & family caregiver relief
Subject to physician review and IRS §213(d) qualification. A licensed physician decides case by case. Not all requests qualify. Always verify eligibility with your HSA/FSA plan administrator.
How it works
From request to a signed letter, when the standard is met.
Send your request
A short form. Describe the care you are paying for and why the person needs it. Sage AI prepares a draft from your answers.
A physician reviews and signs
A licensed physician reviews the AI-prepared draft and signs or declines. Nothing is issued without that signature, and you are told if the standard is not met.
Give it to your administrator
If signed, give the letter to your HSA/FSA administrator. They make the final reimbursement decision.
Start your LMN
Send your request. A licensed physician decides whether to sign.