Plunge All-In

With a Letter of Medical Necessity, yes. The IRS treats many wellness products as "general wellness" by default; an LMN from a clinician documents the medical purpose and converts the purchase into a qualified medical expense. Caeli automates the LMN flow inline during checkout.

A short note from a licensed clinician naming the product, the medical condition it treats, and the duration of treatment. It's a single page. Caeli's telehealth partners issue one through an intake that runs concurrently with merchant checkout — under 3 minutes from your side.

Caeli vaults your LMN, the itemized receipt, and your symptom intake together for the full 7-year IRS audit window. If your HSA administrator or the IRS asks, you forward one folder.

Maybe — LSA coverage is set by your employer's plan, so it varies by person. Caeli reads your employer's LSA categories and tells you whether you can pay this way — often with no paperwork. If you have both an LSA and an HSA, Caeli steers you to spend the LSA first (it can expire) and protect the HSA (it compounds).

Only the intake answers you choose to share with the telehealth clinician. Caeli itself does not store diagnoses; we store the LMN as the clinician issues it.