Does Strut Health Accept HSA/FSA?

By WPG Research Team · Last verified October 31, 2026

Sometimes. Strut takes all major credit cards, and you can try your HSA or FSA card, but Strut warns the charge "may be rejected by the card issuer." Strut won't write a letter of medical necessity. It can give you receipts and prescription details, which you can send to your plan to ask for repayment.

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Quick facts (checked October 31, 2026)

HSA/FSA card at checkout: You can try it. Strut says your card issuer may decline it.

Letter of medical necessity (LMN): Strut does not write one.

Receipts: Yes. Download them in your Patient Portal or ask Strut for them.

Insurance: Not accepted. Strut is cash pay only.

Strut's GLP-1 prices: Compounded semaglutide shots as low as $129 a month; compounded tirzepatide shots from $149 a month.

Can you pay Strut Health with an HSA or FSA card?

You can try. Strut's FAQ says it "accepts all major credit cards" and that "charges to HSA and FSA cards may be rejected by the card issuer."

That last part matters. Strut doesn't block HSA or FSA cards. The company that runs your card decides. Some HSA and FSA cards only approve charges from merchants they class as medical. If the charge doesn't go through, you can pay with a regular card and ask your plan to pay you back.

Tip: Before you check out, call the number on the back of your HSA or FSA card. Ask if online telehealth charges are approved, and what paperwork they want if you file a claim later.

Will Strut give you a letter of medical necessity?

No. Strut says that because it is "a cash pay telemedicine practice" that doesn't bill insurance, it does "not complete insurance Medical Necessity Forms, prior authorization forms, or Letters of Medical Necessity for reimbursement purposes."

What Strut will give you:

Receipts. You can download them from your Patient Portal.
Prescription details. Strut says it can share your prescription information on request.

If your plan asks for a letter of medical necessity, you'll need to get it from another doctor, such as your primary care doctor. Ask your plan first, because not every plan asks for one for prescription medicines.

Does a GLP-1 from Strut count as an HSA/FSA expense?

It can, but your plan makes the final call. IRS Publication 502 says you can include "amounts you pay for prescribed medicines and drugs" as medical expenses. It also says weight-loss program costs count when weight loss "is a treatment for a specific disease diagnosed by a physician (such as obesity, hypertension, or heart disease)."

Strut's GLP-1 medicines need a prescription. Most are compounded. Compounded medicines are made by a pharmacy for you and are not FDA-approved. Your plan may treat compounded medicines and program fees in its own way, so keep every receipt and ask before you count on being paid back.

Strut GLP-1 option	Price on Strut's site
Compounded semaglutide injection	As low as $129 a month
Compounded oral semaglutide	As low as $99 a month
Compounded tirzepatide injection	From $149 a month
Compounded oral tirzepatide	From $199 a month

Strut says your monthly price includes the medicine, provider visits, and free shipping. Prices can depend on your dose. For a full look at Strut, see our Strut Health reviews and Strut Health vs Hims.

Safety note: GLP-1 medicines are not right for everyone. Do not use one if you or a family member has had medullary thyroid cancer (MTC), or if you have MEN 2.

How you'll pay is one of several things that change which GLP-1 path fits you, along with your state, budget, insurance, and whether you want FDA-approved or compounded medicine. Our free tool can show you which fits.

See which GLP-1 path fits you

How do you get paid back from your HSA or FSA for Strut?

If your card is declined, or you paid with a regular card, here's the usual path:

Pay Strut with a regular card. Strut accepts all major credit cards.
Download your receipt. Get it from your Strut Patient Portal. Ask Strut for your prescription details too.
Get an LMN if your plan wants one. Strut won't write it, so ask your own doctor.
File a claim. Send your receipt, and any letter, to your HSA or FSA plan.

Strut bills you every 30 or 90 days, based on your refill plan, until you pause or cancel. Save a receipt for every charge. To stop, Strut says you need to cancel at least 48 hours before your next order is processed.

Which GLP-1 providers are easier to pay with HSA/FSA?

If paying with your HSA or FSA card at checkout matters most, some providers make it simpler. See our full list of GLP-1 providers that accept HSA and compounded GLP-1 providers that accept FSA.

Open to compounded medicine? Embody is our top pick for compounded GLP-1s, and its homepage says it is "HSA/FSA Approved." Compounded medicines are not FDA-approved. See Does Embody accept HSA/FSA?

See Embody's compounded GLP-1 plans

Want FDA-approved medicine and help with insurance? Ro is our top pick for brand-name GLP-1s such as Wegovy and Zepbound, and Ro checks your insurance for you. Ro says it doesn't take HSA/FSA cards right now, but you can send a detailed receipt to your HSA plan after you buy. See Does Ro take HSA/FSA?

Check your options with Ro

FAQ

Does Strut Health accept HSA cards?

Strut doesn't block them. Its FAQ says it accepts all major credit cards, but charges to HSA and FSA cards may be rejected by your card issuer. If the charge fails, pay with a regular card and file for repayment.

Does Strut Health accept FSA cards?

Same answer as HSA cards. You can try, but your FSA card issuer may decline the charge. Ask your plan before you check out.

Will Strut Health write a letter of medical necessity?

No. Strut says it does not complete letters of medical necessity, medical necessity forms, or prior authorization forms. You can ask your own doctor for a letter if your plan needs one.

Where do I find my Strut Health receipt?

Strut says you can download your receipt in your Patient Portal. You can also ask Strut's care team for receipts and prescription details.

Does Strut Health take insurance?

No. Strut says it does not accept insurance and its services are not covered by insurance. It is cash pay only.

How do I contact Strut about a payment question?

Strut lists 1-833-Strut24 and care@struthealth.com for its care team.

Your next step

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What we actually verified

Item	What we found	Confidence
HSA/FSA cards	Strut takes all major credit cards; HSA/FSA charges may be rejected by the card issuer	High (Strut FAQ, Oct 31, 2026)
Letter of medical necessity	Strut does not complete LMNs or medical necessity forms	High (Strut FAQ, Oct 31, 2026)
Receipts	Download in Patient Portal; prescription info and receipts on request	High (Strut FAQ, Oct 31, 2026)
Insurance	Not accepted; services not covered by insurance	High (Strut FAQ, Oct 31, 2026)
Billing and canceling	Charged every 30 or 90 days; cancel 48 hours before processing	High (Strut terms and FAQ, Oct 31, 2026)
Prices	Semaglutide shots as low as $129/mo; tirzepatide shots from $149/mo	High (Strut product pages, Oct 31, 2026)
IRS rules	Prescribed drugs and weight loss for a diagnosed disease can count	High (IRS Publication 502, Oct 31, 2026)

We do not accept payment for rankings. How we compare providers is in How We Rank. Compare more programs on Best GLP-1 online programs.

Sources

All checked October 31, 2026.