Dispatch 001 · 2026·04·20 · Practical

This week's one action: Get your dad's LMN.

Under IRS §213(d), a Letter of Medical Necessity from a licensed physician makes a wide range of care expenses eligible for pre-tax payment through your HSA or FSA. Grab bars, raised toilet seats, home-safety assessments, companion care, even some home modifications. This is the single highest-leverage 15 minutes you will spend on your parent's care this year.

Letter fee
$199
Avg. annual savings
$936
Time to signed letter
< 24 hrs

Three steps.

Why this matters this week.

There's a piece of health policy being reshaped right now that most families will never hear about — but it affects what your parent's care will look like in 2027. The short version: every AI-generated clinical output (including the letter you'll get from hsaletter.com) now has to carry a named, licensed physician's signature. That's called attestation, and it's the reason we can deliver this letter nationally without a form-mill. Josh is the physician. His name is on every one. If the letter is wrong, there's a human with a license on the hook — not a chatbot.

Same thing is about to happen to prior authorizations, CCM enrollments, RTM codes, and every other AI-touched clinical decision. You don't have to care about the policy piece. You do benefit from its effect: when AI signs anything related to your parent's care, somebody you can look up is standing behind it.

This week at a glance

NEW Install the ComfortCard MCP and this dispatch lands in your Claude — ask it about your HSA, eligible expenses, or which letter you still need. One-click install →

Same story, a different register.

One action a week. Usually saves money.

Sundays, 9 AM Mountain Time. One step your family can take in under 20 minutes. No fluff. Published by Blaine Warkentine, MD and Josh Emdur, DO.