Health Savings Accounts (HSAs) let you set aside pre-tax dollars to pay for qualified health expenses. HSAs are linked to high-deductible health plans, and funds in these accounts roll over year after year.

Flexible Spending Accounts (FSAs) allow you to use pre-tax dollars for eligible health expenses. Unlike HSAs, FSAs are not tied to a specific health plan and often require you to use the funds within the calendar year. FSAs are typically provided by employers.

If you’ve used Shop Pay before, it may automatically override other payment options.

At checkout, look under the “Pay Now” button and select “Check out as guest.” Once you do that, the Flex | Pay with HSA/FSA option should appear.

To use your HSA or FSA debit card, add products to your cart as usual. At checkout, select “Flex | Pay with HSA/FSA” as your payment option, enter your HSA or FSA debit card, and complete your checkout as usual. If you don’t see “Flex | Pay with HSA/FSA,” you may be in Shop Pay. Select “checkout as guest” to view more payment options.

Due to the nature of the year-long LMN, Flex does not currently offer the ability to enable automatic recurring purchases.

A Letter of Medical Necessity is a document from a licensed healthcare provider that verifies the medical necessity of a product or service, making it eligible to purchase using your HSA or FSA. This might include items or treatments like supplements or physical therapy that aren’t automatically recognized as eligible expenses.

If you don’t have your HSA or FSA card handy, still select “Flex | Pay with HSA/FSA” as your payment method. Enter your credit card information and Flex will email you an itemized receipt to submit for reimbursement.

You should keep it on file for at least three years in the event of an IRS audit of your HSA or FSA account. Occasionally, FSAs may ask for the Letter to confirm the eligibility of your purchase.

Your Letter of Medical Necessity is valid for 12 months from the date of issue. It can be used for any eligible purchases made during this time. Be sure to keep and submit all related receipts when filing with your HSA/FSA administrator.

Replacement filters are eligible HSA/FSA expenses with a Letter of Medical Necessity from a licensed provider.

Paying with HSA/FSA funds can save money because payroll contributions are made before federal income tax and, if applicable, state income tax, as well as FICA (Social Security) and Medicare. This may reduce your effective out-of-pocket cost by about 33% on average, with typical savings ranging from 30% to 40%, depending on your tax situation and payroll setup.

HSA and FSA cards are debit cards, and the most common reason for declines is insufficient funds. Reach out to your HSA/FSA administrator to confirm your balance.

In order to qualify to use your HSA or FSA card for our products, the IRS requires you to have a Letter of Medical Necessity. SmarterHEPA has partnered with Flex to enable telehealth visits as part of our checkout. A licensed provider will review your consultation, and within 2 hours of your purchase, Flex will email you a Letter of Medical Necessity and an itemized receipt.

We strongly recommend checking with your HSA/FSA provider to see if a purchase is eligible prior to completing the purchase. However, if you believe your claim has been wrongly denied, please send over any response from your HSA/FSA provider to us so we can share it with Flex and receive guidance on the next best steps to take. Please note that employer-sponsored FSAs can determine what products are eligible beyond the IRS’s guidelines, so it’s important to check prior to purchase.

Please forward us the request from your FSA, and we will work with the Flex team to issue you a new receipt.