HSA/FSA Eligible

Yes, if you qualify. A mattress is a dual-purpose item, so the IRS allows it when the purpose of the purchase is to treat, mitigate or alleviate a diagnosed condition. At checkout you choose Flex and answer a few short health questions; a licensed provider reviews them and issues a Letter of Medical Necessity if you qualify. Not all customers qualify, and FSA eligibility may vary by employer plan.

Yes. Paying with HSA or FSA through Flex is offered in our Richmond, Katy and Rosenberg showrooms as well as online. A Certified Sleep Science Coach walks you through the whole process from start to finish on your own phone while you are in the store, so you are never working it out alone. The rules are the same either way: items that qualify on their own go straight through, and dual-purpose items such as mattresses need the short eligibility step first.

Yes. If your HSA or FSA funds do not cover the whole order, add a credit or debit card on the Flex page and it splits the payment across the two, in the same checkout. Two HSA or FSA cards cannot be combined on one order.

Add what you need 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 finish checking out. If you do not see that option, you may be in Shop Pay — choose “checkout as guest” to see the full list of payment methods.

No. Some items qualify as a medical expense on their own and Flex clears them automatically, with no extra step at checkout. Dual-purpose items, which is where mattresses and adjustable bases sit, need the letter because eligibility depends on your circumstances rather than on the product.

It is documentation from a licensed healthcare provider stating that an item is needed to treat or manage a specific medical condition. Where one is required, Flex runs a chat-based telehealth consultation that a licensed provider reviews, and the letter is typically issued within two hours.

No. There is nothing to arrange in advance. The consultation takes a couple of minutes, happens inside the Flex checkout and is reviewed by a licensed provider that Flex works with.

Keep it on file for at least three years in case your HSA or FSA account is ever audited by the IRS. Some FSA administrators also ask to see it when confirming that a purchase was eligible.

Still choose Flex at checkout and enter a regular credit or debit card. Then log in to the Flex portal at withflex.com/portal with the same email you used at checkout and download your itemized receipt to submit to your administrator for reimbursement.

HSA and FSA cards are debit cards, and the most common reason for a decline is simply not enough funds in the account. Check your balance with your HSA or FSA administrator before trying again.

No, that is not supported. If one account does not hold enough to cover the purchase, enter a regular card on the Flex checkout page instead, then download your itemized receipt from withflex.com/portal and submit it for reimbursement.

Flex splits the payment. The qualifying part is charged to your HSA or FSA card and the remainder is charged to your regular card, in the same order.

Sales tax on eligible products can be paid with HSA or FSA funds. If your cart is split between two cards, the tax is divided across them according to the items.

It can. Employer-sponsored FSA plans are allowed to apply stricter rules than the IRS baseline, so an item that meets the IRS test may still be refused by a particular plan. It is worth checking with your administrator before you buy.

Send us the response from your HSA or FSA administrator and we will take it up with Flex to work out the best next step. Because employer-sponsored plans can set their own rules, checking eligibility with your administrator before purchase is the surest way to avoid this.

Both are in the Flex portal at withflex.com/portal. Log in with the same email you used at checkout, usually within about two hours of your order. If anything is missing, email support@withflex.com from that same address.

It depends on your plan. Most FSA administrators require the purchase to fall inside the coverage year, and FSA funds typically do not roll over. Health Savings Accounts are different and generally allow reimbursement at any time, even years later. Check your own plan documents.

Everything on this page is set up for the Flex checkout, including mattresses, adjustable bases, pillows and mattress protectors. Whether a particular item needs the telehealth step depends on the item and on you, and Flex confirms that at checkout.

No. Prices are the same whichever way you pay. The saving comes from spending pre-tax dollars you had already set aside for medical costs.