💡 Quick Answer: Ritual is HSA/FSA eligible because it helps prevent, manage, and reverse a variety of health conditions including vitamin deficiencies, anemia, and bone health conditions, and many others. According to IRS Publication 502, all you need is a Letter of Medical Necessity.
Luckily, we make it ridiculously simple. Crates Health is the fastest way to get your personalized and compliant letter for Ritual and thousands of other wellness products, plus we handle your reimbursements directly through our platform with just one click.
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What is Ritual
Ritual is the vitamin company that basically made every other supplement brand look like they’re hiding something, because they probably are. Founded by a mom who couldn’t find prenatal vitamins that weren’t filled with mysterious ingredients, Ritual revolutionized the supplement industry with radical transparency. Every single ingredient is “Made Traceable,” meaning you can literally see where each nutrient comes from, which supplier provides it, and why it’s included.
Their approach is refreshingly science-first: instead of cramming 30+ vitamins into one pill (most of which you don’t need), Ritual focuses on the 9 key nutrients that research shows most people are actually deficient in. Think methylated B12 for better absorption, omega-3 DHA from sustainable microalgae, and vitamin D3 from lichen instead of sheep’s wool. Their delayed-release capsules are designed to dissolve in your small intestine where nutrients are best absorbed, and each formula is backed by clinical trials. USP Verified, Non-GMO Project Verified, and trusted by people who actually read ingredient labels.
Why Ritual Qualifies for HSA/FSA
According to IRS regulations, vitamins and supplements can qualify as eligible medical expenses with a Letter of Medical Necessity under specific circumstances outlined in Publication 502.
IRS Publication 502 states that medical expenses are “the costs of diagnosis, cure, mitigation, treatment, or prevention of disease, and for the purpose of affecting any part or function of the body,” but “must be primarily to alleviate or prevent a physical or mental condition or illness.”
This means Ritual vitamins can qualify for HSA/FSA reimbursement for prevention or treatment of:
- Vitamin and mineral deficiencies
- Anemia and iron deficiency disorders
- Bone health conditions requiring vitamin D
- Cardiovascular health conditions requiring omega-3s
- Pregnancy-related nutritional needs
- Age-related nutrient absorption issues
- Chronic health conditions affecting nutrient status
- Cognitive health conditions requiring B vitamins
The key requirement is that your healthcare provider must note the vitamin supplementation as medically necessary for managing your specific health condition, not just for general wellness. This documentation comes in the form of a Letter of Medical Necessity (LMN).
How to Assess Your Eligibility
Traditional Route: Schedule an appointment with your primary care physician, discuss your nutritional health conditions and vitamin needs, and request a Letter of Medical Necessity if supplementation is recommended as part of your treatment plan. This typically requires an office visit, potential wait times, and can cost $50-100+ depending on your insurance.
Faster, Smarter Route: Use Crates Health to get your Letter of Medical Necessity online in just a few minutes. Our platform connects you with licensed healthcare providers who can evaluate your conditions remotely and issue the appropriate documentation if you qualify. No office visits, no waiting weeks for appointments, and no surprise medical bills.
Frequently Asked Questions
Do other vitamin and mineral supplements qualify for HSA/FSA?
Absolutely! With the right medical documentation, you can potentially use HSA/FSA funds for multivitamins, single-nutrient supplements, prenatal vitamins, and specialty nutritional products, as long as they’re recommended for treating specific medical conditions.
How does reimbursement work?
Some retailers accept HSA/FSA cards (most don’t though). When they don’t, you need to use your personal card and then reimburse yourself. This means finding and storing receipts and then uploading them and your LMN to your HSA/FSA admin portal. With Crates, we make this process simple: upload your receipt and get one click reimbursements all from our platform.
What is a Letter of Medical Necessity?
A Letter of Medical Necessity (LMN) is a document from a licensed healthcare provider that explains why a specific expense like your Ritual vitamins is medically necessary for treating a diagnosed condition. It’s the official paperwork that proves your vitamin supplementation isn’t just for general wellness. Each LMN typically remains valid for 12 months from the date of issue.
Will my claim get denied?
Every HSA/FSA admin is unique and may initially deny some claims. Usually, it is related to receipt format (must be itemized), LMN format, or other supporting documentation. With Crates, we will support you through this process and make sure you get your money back.
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