WellnessPay and Silver Partner to Eliminate LMN Friction in FSA/HSA Reimbursement

December 3, 2025

WellnessPay, a doctor-led HSA/FSA platform enabling compliant pre-tax wellness purchases, and Silver, an AI platform automating benefit claim processing, announced a strategic partnership to streamline one of healthcare benefits' most painful workflows: submitting Letters of Medical Necessity (LMN) with FSA/HSA claims. The partnership connects WellnessPay's practitioner-backed product ecosystem with Silver's automated claim submission infrastructure, enabling consumers to go from checkout to reimbursement with zero manual friction.

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‍Where LMN Reimbursement Breaks Down

When consumers purchase wellness products through an HSA or FSA, the process should be simple. But in reality, it's fragmented.

When a medical practitioner determines that a patient could benefit from a specific product to treat or mitigate a physical condition, they write an LMN enabling the patient to purchase the recommended product for a healthcare purpose. However, to get reimbursed, the patient must navigate multiple steps: finding the correct TPA portal, uploading receipts and documentation, waiting for review, and often resubmitting when documents are unclear or incomplete. Claims that should take minutes end up taking weeks.

For TPAs, the burden mirrors the consumer experience. LMN-backed claims require manual review, email follow-ups, and repeated documentation requests. Claims teams spend hours on administrative work that adds no value.

For wellness merchants and platforms, this friction creates a trust gap. Consumers hesitate to purchase if reimbursement feels uncertain or complicated.

The Wellness Pay x Silver Experience

WellnessPay and Silver have integrated their systems to eliminate this gap.

When a consumer purchases a wellness product through WellnessPay, they receive their LMN from an accredited in-house doctor. That LMN is paired with the receipt and product details and stored securely within the WellnessPay system.

Silver integrates into TPA claim systems and automatically detects when a transaction originates from WellnessPay. The platform securely retrieves the complete submission package, itemized receipt, product details, and LMN, and presents it to the TPA's claims team.

The TPA reviews a clean, complete file with no follow-up required. The claim moves to adjudication or approval in minutes, not weeks.

The consumer gets visibility into their reimbursement status in real-time. The merchant relationship strengthens because checkout-to-reimbursement actually works.

Why It Matters

· For consumers: Reimbursement is no longer a guessing game. They know their purchase is eligible before checkout, receive their LMN immediately, and see their claim move through TPA systems without friction.

· For TPAs: Manual review burden drops significantly. Claims arrive complete and compliant. Documentation quality improves because it's generated systematically, not collected haphazardly. Audit trails are clean by default.

· For wellness merchants and platforms: Checkout confidence increases. Consumers complete purchases because they trust the reimbursement process. Average order value and repeat purchase rates rise when reimbursement friction disappears.

Built on Proven Infrastructure

WellnessPay operates a closed-loop system with in-house, HIPAA-compliant doctor networks. Every LMN is generated by a licensed practitioner within 24 hours and audit-ready from the moment of creation. The platform already processes thousands of monthly claims with zero merchant PHI exposure.

Silver has proven automation at scale, reducing TPA claim processing time by 50% for straightforward claims. "The partnership with WellnessPay extends our claim submission efficiency to LMN-backed scenarios, one of the most complex yet growing benefit workflows." said Oded Shekel, Silver CEO.

Together, WellnessPay and Silver address a gap that's existed in wellness commerce: making pre-tax purchasing actually frictionless.

"Our mission is to make HSA/FSA spending simple and compliant," said Peter Charland, WellnessPay CEO. "Working with Silver means we can deliver on that promise end-to-end, not just at checkout, but all the way through reimbursement."

About WellnessPay

WellnessPay is a doctor-led HSA/FSA platform that enables consumers to make compliant pre-tax wellness purchases. The platform combines practitioner guidance with IRS §213(d) compliance and HIPAA-backed LMN generation to unlock pre-tax spending for wellness products while keeping TPAs and merchants completely protected. WellnessPay integrates with major e-commerce platforms and serves health and wellness merchants across the US.

About Silver

Silver is an AI-driven platform that integrates with TPA claim systems to read receipts, extract eligible items, and automate adjudication. Silver customers reduce claim processing workload by 50%while improving compliance and member experience.