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Your Products, Unlocked

We unlock products
your HSA/FSA can buy.

Thousands of health products are waiting — but nobody made them accessible. Your Care Navigator matches you to clinically graded products, handles Letters of Medical Necessity and physician orders, and gives you more choices with better quality and precision decision-making.

Unlock My Products → Browse Marketplace
Brooks
Your personal Care Navigator matches you to clinically vetted products, handles the paperwork, and makes sure every dollar works harder.
Products UnlockedLive
Brooks
Brooks unlocked 12 products you didn't know your HSA could buy.
ProLon
ProLon 5-Day Fasting Kit
$190 · HSA Eligible
A
✓ HSA/FSA📋 LMN🤝 Pool
Dr. Confidence
92%
HSA: $190
OOP: $0
Oura Ring
Oura Ring 4
$349 · With LMN
A
✓ HSA/FSA📋 LMN
Dr. Confidence
88%
HSA: $349
OOP: $0
Nutrafol
Nutrafol Men's 3-Month
$209 · With LMN
A
✓ HSA/FSA📋 LMN🤝 Pool
Dr. Confidence
85%
HSA: $209
OOP: $0
1,000+
Clinically graded products in our marketplace
Every one rated A–D on our CEL rubric
85%
Of shoppers give up at the LMN paperwork wall
Drops to 25% with Beim's instant pathway
<4 hrs
From product match to signed LMN
vs. 3 weeks the traditional way
A–D
Clinical Evidence Level grading
RCTs · physician confidence · real science
Trusted by employers using
Platform Features

Everything you need to unlock
smarter health purchases.

Six powerful tools working together — from AI-powered product discovery to instant Letters of Medical Necessity, clinical grading, split payment, group buying, and intelligent product review.

🧭 AI Care Navigation

AI Care Navigators that find your perfect products.

Everly and Brooks find eligible products in seconds and handle 100% of the LMN paperwork. They analyze your benefits, match clinically vetted products, and monitor your balance for new opportunities — 24/7.

AI-Powered Matching Goal-Based Questions HSA/FSA Monitoring & Scanner
🤝 Community Pool

Community Pool — group buying that actually saves you money.

Join other buyers on the same product and unlock a lower price together. HSA/FSA eligible, auto-refund if the pool doesn't fill. No other HSA platform offers group buying.

Active Pools How It Works Share & Save
🤝
Community Pool — Live
3 pools open
A
ProLon 5-Day Fasting Kit
ProLon · Metabolic Health
$199.00
$169.00
18 of 25 spots filledSave $30 (15%)
A
Oura Ring 4
Oura · Wearable Tech
$349.00
$299.00
14 of 25 spotsSave $50 (14%)
How Community Pool Works
1
Join a Pool
Commit to a product you want. No charge until the pool fills — your card isn't charged yet.
2
Pool Fills Up
Share the pool link with friends. More people join, the group price locks in for everyone.
3
Everyone Saves
Pool fills → pay the discounted price with your HSA/FSA. Doesn't fill → automatic full refund.
🔗
Share the Pool, Drop the Price
Every person who joins your pool link brings the price down for everyone. Share via text, email, or social.
💬
📧
🔗
Example savings with 3 referrals
$50
You save
$50
Each friend saves
$200
Total saved
🔬 Clinical Evidence Grading

Every product graded by clinical evidence — not ad copy.

Every product graded A through D based on randomized controlled trials and physician confidence scores. Grade A means multi-RCT, 90–100% confidence. You see the science — not marketing.

Graded Products The CEL Rubric Confidence Scores
A
ProLon 5-Day Kit
Dr. Conf.
92%
$190
HSALMN
A
Theragun Pro
Dr. Conf.
95%
$399
HSA
B
InsideTracker
Dr. Conf.
78%
$189
HSA
C
AG1 Greens
Dr. Conf.
58%
$79
HSALMN
Beim Clinical Evidence Level Rubric
A
Gold Standard
Multiple RCTs · 90–100% physician confidence · Peer-reviewed meta-analyses
B
Strong Evidence
Single RCT or large cohort · 75–89% physician confidence · Published clinical data
C
Emerging Evidence
Pilot studies or mechanistic data · 50–74% confidence · Promising but early
D
Anecdotal / Limited
Case reports or anecdotal · Below 50% confidence · Needs more research
Physician Confidence Score
What percentage of physicians would recommend this product for the matched condition?
Theragun Pro95%
Very High · 3 multi-center RCTs · FDA cleared
ProLon Fasting Kit92%
Very High · 2 RCTs · Peer-reviewed in Cell Metabolism
InsideTracker78%
High · Large cohort study · Published in Aging journal
📋 LMN & Physician Orders

Letters of Medical Necessity and physician orders in hours, not weeks.

Choose your pathway at checkout: Beim network physician ($35, signed in ~4 hours), a template for your own doctor, or upload one you already have. The #1 barrier — paperwork — is gone.

Beim Network Physician Use Your Own Doctor Upload Existing LMN
📋 Beim Network Physician — $35
Beim network physician — $35 HSA/FSA eligibleSigned in ~4 hours. Short intake after checkout.
✓
Select
products
✓
Choose
pathway
⏳
Physician
reviews
📋
LMN
signed
🔓
Product
unlocked
📄 Use Your Own Doctor
Auto-generated Letter of Medical NecessityWe create a pre-filled template with your product details, ICD-10 codes, and clinical justification. Your doctor reviews, edits, and signs.
Template includes: patient info, product details, ICD-10 codes, clinical justification, and signature block.
📄 Download Template (PDF)
✅ Upload Existing LMN
Already have a Letter of Medical Necessity?No charge — upload at checkout. Ensure your HSA admin has it on file. Products ship immediately.
📋
Drop your LMN here
PDF, JPG, or PNG · Max 10MB
💳 HSA/OOP Split Pay

HSA/OOP split pay — your HSA covers what it can, debit covers the rest.

Split any purchase between HSA/FSA and debit in one checkout. We verify insurance first, then HSA, then debit — so you always pay the least possible out of pocket.

Split Pay View Payment Waterfall IRS Receipt
$748 HSA+$52 OOP
HSA/FSA — $748
Out of Pocket — $52
One checkout — two payment sources
HSA card charged first, debit covers the rest
LMN fee ($35) also HSA/FSA eligible
Payment Waterfall — You Always Pay Least
🛡️
1. Insurance First
$0 copay items deducted automatically
-$0
💳
2. HSA/FSA Card
Charged for eligible portion
-$748
💰
3. Debit/Credit
Covers any remainder
$52
📧 IRS-Compliant HSA Receipt
Receipt Preview
HSA Charged$748.00
Out of Pocket$52.00
LMN Fee (HSA eligible)$35.00
Total$835.00
Emailed automatically · IRS Publication 502 compliant
🧠 Product Intelligence

Once you pick products, our AI makes sure they're right for you.

Your Navigator gives a clinical breakdown of every product — confidence, HSA math, and an honest recommendation. Keep it, drop it, or ask more.

Clinical Breakdown Keep / Drop / Ask HSA Math
Brooks
Brooks — Clinical Breakdown
Reviewing your rescue plan
📊 Oura Ring 4 · Grade A · Gold Standard
Physician confidence: 88%
🎯 Targets: Sleep quality, HRV, stress recovery
💳 $349 — your HSA covers it completely
📋 Needs LMN — $35, signed ~4 hours
Is it worth the money compared to Whoop?
Oura has 3 multi-RCTs for sleep tracking vs Whoop's 1. For your sleep goals, Oura is the stronger clinical match. I'd keep it.
Your Rescue Plan — 4 Products
A
Oura Ring 4
✓ Kept
A
Theragun Pro
✓ Kept
B
AG1 Greens
✕ Dropped
A
ProLon 5-Day
⟳ Reviewing
HSA Math — Your Rescue
HSA Balance: $3,240
Oura Ring 4
Grade A · LMN
HSA: $349
OOP: $0
Theragun Pro
Grade A · Direct
HSA: $399
OOP: $0
LMN Fee
Network physician
HSA: $35
OOP: $0
Total$783
HSA Covers$783
Out of Pocket$0 ✓
HSA After$2,457
🛡️ Insurance & Benefits Checker

We pull your full benefits picture — so you never buy what insurance already covers.

Beim pulls your exact HSA/FSA balances via Finch and verifies insurance eligibility via Stedi. Your Navigator tells you precisely what to pay with insurance, HSA, and out of pocket.

Benefits Pull Insurance Eligibility Smart Payment Order
🔗
Benefits Connected
✓ Verified via Finch
💳
HSA Balance
HealthEquity · Auto-synced
$3,240
🏥
Insurance Plan
Blue Cross PPO · In-network verified
Active
📋
FSA Balance
Employer-funded · Expires Dec 31
$820
👤
Employer
Connected via Finch API
Acme Corp
Powered by Finch · Connects to 200+ payroll providers · Read-only access
🩺
Insurance Eligibility Check
✓ Via Stedi
Annual Blood Panel
$0 copay
✓ Covered by insurance — don't use HSA
Annual Wellness Visit
$0 copay
✓ Preventive care — fully covered
Theragun Pro
$399 HSA
Not covered by insurance — use HSA
Oura Ring 4
$349 HSA + LMN
Requires LMN — then HSA eligible
Powered by Stedi · Real-time eligibility verification · 1,800+ payers
Smart Payment Order
We always pay from the cheapest source first
1
Insurance — $0
Preventive screenings, wellness visits, labs — all covered
FREE
2
HSA/FSA — Pre-tax
Tax-free dollars for eligible products (save 25–35%)
$748
3
Out of Pocket — Last resort
Debit/credit only for what's left after insurance + HSA
$52
You saved $748 in pre-tax dollars + $0 copay items
The Journey

Three phases from balance
to products unlocked.

No spreadsheets. No expired benefits. No guesswork.

Phase 01 — Sync
Connect Your Benefits & Balance

Meet Everly or Brooks — your AI Care Navigator. Enter your HSA/FSA balance, and we pull your full benefits picture through Finch and verify insurance through Stedi before you spend a dime.

Navigator selectionBalance entryInsurance verification
Phase 02 — Match
AI Matches Products to Your Goals

Set your health priorities. Your Navigator matches you to CEL-graded products (A–D) and gives a clinical breakdown of every pick — confidence scores, HSA math, and an honest recommendation.

Goal-based matchingCEL grading A–DKeep / drop / ask
Phase 03 — Unlock
LMN, Checkout & Ship

LMN signed by a network physician in ~4 hours ($35, HSA eligible). Split HSA + debit in one transaction. Join a Community Pool for group pricing. Products unlocked and shipped.

LMN in ~4 hoursSplit payCommunity Pool
Start Your Journey →
Success Stories

Real people. New products.
Unlocked for the first time.

★★★★★

"I had no idea my HSA could buy an Oura Ring or a fasting kit. Beim matched me with 14 products I never would have found — and handled the Letter of Medical Necessity for all of them."

Sarah M.
Sarah M.
Marketing Director · Austin, TX
14
products unlocked
★★★★★

"The Letter of Medical Necessity was the game changer. I got a signed letter for my CPAP supplies in 4 hours. That used to mean 3 weeks of playing phone tag with my doctor."

James R.
James R.
Software Engineer · Denver, CO
4 hrs
vs. 3 weeks
★★★★★

"My team saved 30% through the Community Pool on a group wellness purchase. The clinical grading made it easy to pick the right products — real evidence, not just marketing."

Lisa K.
Lisa K.
HR Benefits Manager · Seattle, WA
30%
group savings
Start Unlocking

Thousands of products are waiting behind a wall of paperwork.
Let's tear it down.

Enter your balance and your Care Navigator will match you with clinically graded products — and handle the LMN and physician orders to unlock them.

$

No account required · No data stored · HIPAA-compliant