Eligibility Check Workflow

The Eligibility API lets you determine whether a product is eligible for FSA/HSA reimbursement before the member completes a purchase.

When to Check Eligibility

Check eligibility at these points in your flow:

• At checkout — Before processing payment, verify the item is eligible
• On product pages — Show eligibility badges to members browsing your catalog
• In cart — Validate all items before the member proceeds to payment

Making an Eligibility Request

Send a POST request to /v1/product with the product details:

curl -X POST https://eligibility.withsilver.app/v1/product \
  -H "apiKey: your-partner-api-key" \
  -H "Content-Type: application/json" \
  -d '{
    "title": "Advil Ibuprofen Tablets, 200mg",
    "description": "Pain reliever and fever reducer, 100 coated tablets",
    "sku": "305730169301",
    "sku_type": "UPC",
    "vendor": "Advil"
  }'

Only title is required. The more fields you provide, the more accurate the determination.

Always include SKU and vendor

When available, always send the sku, sku_type, and vendor fields. This significantly improves the accuracy of eligibility determinations.

Interpreting Results

The response includes an eligibility field with one of four values:

Status	Meaning	Recommended Action
eligible	The product is eligible for FSA/HSA reimbursement	Proceed with the transaction
not_eligible	The product is not eligible	Inform the member; do not submit a claim
eligible_with_lmn	Eligible only with a Letter of Medical Necessity	Prompt the member to provide an LMN
unknown	Eligibility could not be determined	Consider allowing the purchase and submitting a claim for manual review

Example: Eligible Response

{
  "eligibility": "eligible",
  "title": "Advil Ibuprofen Tablets, 200mg",
  "description": "Pain reliever and fever reducer, 100 coated tablets",
  "sku": "305730169301",
  "sku_type": "UPC",
  "image_url": "https://example.com/images/advil-200mg.jpg"
}

Example: Eligible with LMN

{
  "eligibility": "eligible_with_lmn",
  "title": "Standing Desk Converter",
  "description": "Adjustable standing desk converter, 36 inches",
  "sku": null,
  "sku_type": null,
  "image_url": null
}

Best Practices

1. Cache results carefully — Eligibility can change as product databases are updated. Avoid caching results for more than a few minutes.
2. Handle unknown gracefully — If eligibility can't be determined, consider letting the member proceed and submitting the claim for manual review.
3. Always send SKU data — The sku and sku_type fields improve determination accuracy. Send them whenever your product catalog includes this data.
4. Check before submitting — Always check eligibility before submitting a claim to reduce rejection rates.