Question 1

Are sleep products HSA/FSA eligible?

Accepted Answer

Yes, many sleep products may be HSA/FSA eligible for qualified customers when accompanied by appropriate documentation, like a Letter of Medical Necessity (LMN). This means mattresses, pillows, weighted blankets, smart sleep systems, and other sleep tools may be eligible for HSA/FSA spending, so qualified customers can save an average of 30% on the purchase.

Truemed partners with leading sleep brands including Eight Sleep, Sleep Number, Saatva, Purple, Helix Sleep, Nectar, DreamCloud, Cozy Earth, Bearaby, Hatch, and many more.

Question 2

What conditions might qualify me to use HSA/FSA on sleep products?

Accepted Answer

Conditions that may support medical necessity for sleep products commonly include diagnosed insomnia, sleep apnea, chronic back or neck pain affecting sleep, fibromyalgia, restless leg syndrome, anxiety or chronic stress disrupting sleep, GERD, and other conditions where sleep environment plays a role in treatment. General goals like wanting to sleep better or feel more rested without an underlying condition do not, on their own, meet the IRS standard for HSA/FSA eligibility.

Question 3

Is Eight Sleep HSA/FSA eligible?

Accepted Answer

Yes, Eight Sleep may be eligible for HSA/FSA spending for qualified customers when a licensed clinician determines it's medically necessary for your specific health situation.

When you shop Eight Sleep through Truemed, you'll complete a health intake survey at checkout, which is reviewed by an independent licensed practitioner. If your purchase qualifies, you'll receive a Letter of Medical Necessity that supports HSA/FSA payment or reimbursement.

Question 4

Is a mattress HSA/FSA eligible?

Accepted Answer

Yes, mattresses may be HSA/FSA eligible for qualified customers when supported by a Letter of Medical Necessity. Mattresses are most commonly recommended for diagnosed conditions like chronic back pain, herniated discs, sciatica, fibromyalgia, sleep apnea, or other musculoskeletal and sleep conditions where mattress support directly affects treatment.

It’s important to note, however, that mattresses may only be partially eligible for HSA/FSA funds. In these cases, you can split the purchase between your HSA/FSA card and a personal credit card.

Sleep

Qualified customers can shop HSA/FSA eligible sleep tools like mattresses, pillows, and bedding. Shoppers save an average of 30% when paying with pre-tax dollars.

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