> ## Documentation Index
> Fetch the complete documentation index at: https://docs.withgale.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Product Eligibility

> Gale offers a hosted payment page to integrate HSA and FSA payments into your checkout.

Gale offers two powerful solutions to help your eCommerce store accept HSA and FSA cards seamlessly and compliantly.

***

## Our Products

<CardGroup cols="2">
  <Card title="SIGIS-Eligible Products" icon="check" href="#sigis-eligible-products">
    Automatically approve HSA/FSA cards for eligible items — no paperwork required. Powered by IIAS and SIGIS.
  </Card>

  <Card title="Letter of Medical Necessity" icon="file-medical" href="#letter-of-medical-necessity">
    Accept HSA/FSA cards for dual-purpose products via provider-issued LMNs, initiated during checkout.
  </Card>
</CardGroup>

***

## <span id="sigis-eligible-products">SIGIS-Eligible Products</span>

### Auto-Substantiation with Inventory Approval

If your store sells products that are pre-approved by SIGIS (Special Interest Group for IIAS Standards), Gale can instantly approve HSA/FSA payments with no user documentation required.

> These products are classified using our built-in **Inventory Information Approval System (IIAS)** — a requirement from the IRS.

#### Benefits

* Instant card approval at checkout
* No surveys, uploads, or manual reviews
* Fully compliant with IRS and SIGIS standards

***

## <span id="letter-of-medical-necessity">Letter of Medical Necessity (LMN)</span>

### Unlock HSA/FSA for Dual-Purpose Products

Some products — such as fitness, sleep, or wellness-related items — are only HSA/FSA-eligible if supported by a **Letter of Medical Necessity (LMN)** from a licensed provider.

With Gale, customers can go through a short survey during checkout. A licensed healthcare provider reviews their responses and issues the LMN if medically justified — unlocking payment approval.

#### How it works

1. Customer chooses **Gale Payments**  at checkout
2. Gale presents a guided eligibility survey
3. Licensed medical provider reviews it asynchronously
4. LMN is issued and payment is processed — all handled within the flow

> Gale handles the provider network, survey logic, and LMN documentation — so you stay compliant without any overhead.

***

## Why This Matters

### Ensure Compliance, Maximize Coverage

> Whether you sell SIGIS-approved products or dual-purpose items, Gale ensures every HSA/FSA transaction meets IRS and healthcare compliance — while keeping the customer experience smooth and fast.

***

## Want help classifying your product catalog?

Our team can review your catalog and help you determine which items qualify under SIGIS and which require LMNs.

[Talk to Sales →](https://www.withgale.com/contact/sales)