Guide to Using HSA/FSA
Funds
We've partnered with Truemed to allow you to use your Health Savings Account (HSA) or Flexible Spending Account (FSA) at The Sauna Heater.
Can you buy a sauna with your HSA or FSA? Is it an eligible expense?
The short answer is yes, you may, as long as you obtain a Letter of Medical Necessity.
We've partnered with Truemed to allow you to use your Health Savings Account (HSA) or Flexible Spending Account (FSA) at TSH. This means you can buy our products with pre-tax dollars, resulting in net savings of 30-40%.
To use your FSA/HSA to pay for a sauna, it must qualify as a medical expense. Generally, a Letter of Medical Necessity (LMN) from a healthcare provider is required to justify the health benefits and necessity of a sauna for treatment or therapy. Since saunas, ice bath tubs, and other wellness products are now considered very beneficial tools for mental and physical health, FSA and HSA cards are now being accepted as health and medical expenses as long as they are accompanied by a LMN.
We have partnered with Truemed to help you obtain a Letter of Medical Necessity so you can use your FSA/HSA funds to purchase a sauna. HSAs and FSAs were created for you to spend tax-advantaged dollars on products and services that can treat or prevent medical conditions and Truemed is making it easy to do just that.
Step 1 - Check Out
Find the Truemed logo at checkout and start the process.
Step 2 - Complete Health Assessment
Take a quick, private health survey via Truemed. An independent licensed provider will review your
information to decide if an LMN is appropriate.
Step 3 - Make Your Purchase
If an LMN is issued, you can pay with your HSA/FSA card or a regular card and seek reimbursement later,
subject to your plan's rules.
How does Truemed work?
The process is simple - follow these steps based on whether you have sufficient funds on your FSA/HSA debit card.
Your FSA/HSA debit card has enough funds for the full purchase amount- Add items to your cart and proceed to checkout.
- Select Truemed - Pay with FSA/HSA as your payment option.
- Follow the steps and enter your HSA or FSA card details.
- Fill in a short and secure eligibility form.
- Complete your purchase.
Frequently Asked Questions
Health savings accounts (HSA) and flexible spending accounts (FSA) are programs that allow you to set aside pre-tax dollars for eligible healthcare expenses. If you’re unsure whether or not you have an HSA or FSA account, please check with your employer or insurance company.
For most FSA/HSA administrators, your expenses will be approved within days when you submit your claim for reimbursement along with your receipt and a Letter of Medical Necessity. The exact timing will vary based on your administrator.
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).
Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are tax-free accounts that can be used to pay for qualified medical 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 funds elections occur in October-November each year for the following calendar year. FSA funds expire every calendar year.
Unfortunately, HSAs and FSAs are not available outside of the US, and self-employed individuals (who do not have an HSA from a previous employment) do not qualify for HSAs or FSAs.
Yes, your Letter of Medical Necessity can cover multiple products. You can also apply to obtain a LMN for most accessories such as a sauna heater, and other product categories that The Sauna Heater offers like cold baths and infrared saunas.