Pay With HSA/FSA Funds

Only certain products qualify for HSA/FSA spending. Generally, items must be intended to help diagnose, treat, mitigate, or prevent a specific medical condition. At Haven Of Heat, the following categories are typically eligible when accompanied by a Letter of Medical Necessity (LMN) from a licensed healthcare provider:

• Saunas (traditional, infrared, and hybrid models)
• Cold plunge tubs and chillers
• Red light therapy panels and saunas with integrated red light therapy

Products such as accessories (buckets, ladles, thermometers, etc.), building materials, or decorative features are not eligible, as they are not considered to provide direct medical benefits.

Eligibility ultimately depends on your HSA/FSA plan administrator’s requirements. We recommend confirming with them before purchase if you are unsure.

Yes. You can still submit for partial reimbursement. For example: if you purchase an eligible item for $100 but only have $60 in your account, you can reimburse $60 of your purchase with your tax-free funds (with the remaining $40 paid for as normal).

If Your HSA/FSA Debit Card Does Not Have Sufficient Funds:

• Click on the “Get pre-qualified” link on the product page.
• Complete the health assessment. If approved, you'll receive your LMN.
• Use a personal credit card or PayPal to complete your purchase.
• Submit your LMN and receipts to your HSA/FSA provider for reimbursement.

Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are tax-free accounts that can be used to pay for qualified health expenses. These accounts are usually set up and managed by an HSA or FSA administrator, and you should have access to said HSA/FSA administrator through your employer (ask your HR department!).

HSAs are typically associated with a high-deductible health plan, and funds do not expire. FSAs are independent of your health plan, and fund elections occur in October-November each year for the following calendar year. FSA funds expire every calendar year.

No. Some HSA/FSA purchases are automatically approved (like prescription medications or doctor visits). However, most wellness products such as saunas, cold plunges, and red light therapy devices require a Letter of Medical Necessity (LMN) from a licensed healthcare provider stating the product is needed to treat, prevent, or manage a specific medical condition.

Yes. You can use your HSA or FSA funds to pay for eligible medical expenses for your spouse or dependents, as defined by the IRS, as long as the purchase meets the plan’s eligibility requirements and you have a Letter of Medical Necessity if required.

IRS Publication 502 describes the expenses that may be paid for with pre-tax HSA/FSA accounts, including “payments for the diagnosis, cure, mitigation, treatment, or prevention of disease, and for treatments affecting any part or function of the body.” Some purchases like prescriptions and physicians visits are automatically qualified, while others require a Letter of Medical Necessity (LMN) issued by a licensed healthcare provider.

Truemed makes it easy for you to find out if you qualify for HSA/FSA spending during checkout. After taking a short health survey, your answers are reviewed by third-party licensed medical providers who will begin writing a Letter of Medical Necessity if the products/services may help cure, mitigate, treat, or prevent relevant diseases. You can checkout immediately using your HSA funds and will receive your LMN in 1-2 business days.

If you do not have your HSA/FSA payment method handy, Truemed can also process your payment via credit or debit card and provide simple instructions on how to reimburse yourself from your HSA/FSA later.

In order to determine whether certain products or services are legitimate expenses for treating, mitigating, or preventing a diagnosed medical condition, HSA/FSA plan administrators often require a letter from a licensed practitioner. This letter is called a “Letter of Medical Necessity.”

Generally, it takes 24-48 hours. If you aren’t seeing your letter in your inbox, check spam, then reach out to us at support@truemed.com for help!

Even if your HSA/FSA card is accepted at checkout and you submit a Letter of Medical Necessity, your plan administrator has the final authority to approve or deny reimbursement. Administrators may review claims weeks after purchase and sometimes deny expenses even when a payment initially goes through. If your plan administrator denies your claim, please contact support@truemed.com. In some cases, we can help resubmit the claim with updated documentation. If your administrator maintains their denial, Truemed provides a warranty program that reimburses 30% of your purchase price to offset the tax savings you would have expected from an approved claim.

For most Americans, open enrollment is in the last four months of the year. Simply elect to increase contributions to your HSA or FSA during this time and you can begin shopping with Truemed merchant partners. Starting on January 1st, qualified individuals will be able to spend their entire HSA or FSA amount on products that a licensed practitioner recommends to treat, mitigate, or prevent a specific, diagnosed medical condition. These funds will be pulled from your paycheck, prior to tax withholding, by your HSA/FSA administrator in equal installments through the year.