A guide to care questions / Coverage desk
Could insurance cover any of this?
Ask your plan about the assessment and any tests separately from a proposed product. Get the answer for your own plan and concern.
Get a plan-specific answer
- Is this clinician covered for an assessment of my concern?
- Are the proposed tests covered?
- Do I need approval or a referral before the visit?
- What would I pay myself?
- Can you give me the answer in writing?
Send the plan the exact service and the clinician’s name. Keep the answer with the quote.
No U.S. approved TB-500 product appeared in the September 2026 approval check.
Ask a separate question about any named product. An answer about a visit leaves that question open.
Medical-spending accounts and the records they need
Money set aside before tax in a health savings account (HSA) can pay eligible medical costs. A flexible spending arrangement (FSA) serves that purpose too.
IRS guidance checked on 26 September 2026 distinguishes care for a diagnosed disease from an expense merely meant to improve general health.
Ask the account administrator to assess the exact expense. Keep the product and visit questions separate.
Ask for the answer about the exact expense before treating a general rule as a guarantee of payment.
Ask what records are needed
The IRS sources checked in September 2026 did not require a document called a letter of medical necessity, though an account administrator may ask for one.
Ask what the administrator needs before spending: a receipt, the reason for the expense or another record.
Read the payment checklist