HSA/FSA-Eligible Recovery Products

Yes, many recovery products may be HSA/FSA eligible for qualified customers when accompanied by a Letter of Medical Necessity (LMN).

Recovery spans a wide range of categories, including infrared saunas, red light therapy devices, cold plunges, massage guns, and compression systems.

With an LMN from a licensed clinician confirming medical necessity, qualified customers can use pre-tax HSA/FSA dollars on recovery products from Truemed partner brands and save an average of 30% on the purchase.

Conditions that may support medical necessity for recovery products commonly include chronic muscle or joint pain, arthritis, fibromyalgia, lower back pain, tendinopathy, sports injuries, post-surgical recovery, poor circulation, and certain diagnosed skin conditions.

Recovery products are also commonly recommended for athletes and active people managing diagnosed musculoskeletal conditions.

General relaxation or wellness preferences without an underlying condition do not, on their own, meet the IRS standard for HSA/FSA eligibility.

Yes, saunas, including infrared saunas and sauna blankets, may be HSA/FSA eligible for qualified customers when supported by a Letter of Medical Necessity.

Saunas are commonly recommended for diagnosed conditions like chronic pain, muscle and joint stiffness, arthritis, and hypertension, with the qualification process built directly into checkout for qualified customers.

Yes, red light therapy devices, including masks, panels, and handheld devices, may be HSA/FSA eligible for qualified customers when a licensed clinician determines the device is medically necessary for your specific health situation.

Red light therapy is commonly recommended for diagnosed skin conditions like acne and psoriasis, chronic joint pain, and muscle recovery tied to musculoskeletal conditions.

Qualified customers save an average of about 30% when paying with pre-tax HSA/FSA dollars. Actual savings vary based on your individual tax rate. For example, on a $3,000 infrared sauna, a 30% effective savings rate works out to roughly $900 back in your pocket. For higher-cost recovery equipment, those savings can make a meaningful difference. HSA/FSA tax savings vary; learn more at truemed.com/disclosures.