Your next bed may be eligible for an HSA or FSA. Here’s how

Poor bedding can have serious health effects that go far beyond constant tossing and turning at night. maybe It causes severe pain Existing health conditions are easily exacerbated. That’s why the IRS allows you to use your pre-tax dollars in your account Health Savings Account (HSA) Or a Flexible Spending Account (FSA) toward health items, e.g Smart ring Or bedding. An HSA or FSA can be a great way to purchase that new mattress you need, but they’re not available to just anyone. First, you have to qualify.

Each mattress manufacturer has a different process. For example, with Sleep numberYou purchase your mattress first and then complete a questionnaire to qualify. with avocado, You have to fill out your questionnaire first and then checkout. If you’re thinking about buying a new bed, here’s how to buy your next one with HSA or FSA money.

Can I use my FSA or HSA to get a mattress?

Mattresses are generally not covered HSA and FSA fundsbut there are exceptions. According to HSA Store“The expense of a mattress is only eligible when its components and construction costs exceed those of a standard public health mattress.” To use your money to buy a new mattress, you’ll need to save Letter of Medical Necessity (LMN) From a medical professional stating that you have a medical need for a new HSA or FSA-eligible mattress.

Common symptoms of LMN include, but are not limited to:

Mattress eligibility includes beds for both adults and children. for the year 2024, Annual subscriptions before tax to Health savings account The maximum is $4,150 per individual or $8,300 per family, with an additional allotment of $1,000 for those 55 and older. You have all year to use these funds, but any funds not used after December 31 of each year will be forfeited. After you submit your claim and LMN, it usually only takes days to get your expenses approved.

Mattress brands that may be FSA or HSA eligible

These are some of the most popular mattress brands that may be FSA or HSA eligible and their processes Buy a new mattress.

Sleep number

Sleep number is one of the most well-known mattress manufacturers and has a well-established process for purchasing new FSA and HSA-eligible mattresses. that it Smart family line Smart beds include the c2, p5 and i8.

That’s easy Buy a new Sleep Number bedwith only three steps required.

1. Buy your mattress:Once you’ve chosen the mattress you’d like to purchase, complete your purchase as you normally would.
2. Complete the Truemed ​​questionnaire: Your receipt or order confirmation will contain a link to a quick checkout survey from Sleep Number’s health advocacy partner, Tromid. The results will be automatically sent to a licensed provider so you can access a free evaluation.
3. Submit papers:If you are approved, an LMN will be sent via email within days. It will include instructions on how to submit a reimbursement claim to your HSA or FSA provider.

nectar

nectar It is a famous mattress manufacturer, with Popular models like Nectar Lux and Nectar Premier Hybrid.

Nectar uses a simple processlike its competitors, uses HSA or FSA funds to purchase a new mattress.

1. Go to checkout: Add your chosen mattress to your cart, and under Payment Method, select “Pay with HSA/FSA.”
2. Complete the questionnaire: Nectar requires you to complete a quick health questionnaire to confirm your eligibility.
3. Submit your claim: Use HSA or FSA funds directly to pay for your mattress, or you can use a personal payment method to later submit a claim to your HSA or FSA administrator.

Avocado

with Avocadohave a wide selection of FSA and HSA eligible mattresses available for both adults and children. All mattresses are eligible and have an exclusive HSA/FSA callout with a green check icon where the “Buy Now” box is.

Avocado also requires three stepsbut it is a little different from the sleep number.

1. Check your eligibility: Complete a quick questionnaire from Sika to determine eligibility.
2. Buy your mattress: Purchase your chosen mattress using Sika to pay with your HSA or FSA funds.
3. Submit your claim: Instructions for submitting your reimbursement claim will be located on your Sika receipt. Your medical necessity letter will then follow if you are approved.

Dreamcloud

Dreamcloud also It requires three steps To get compensation for your new bed.

1. Payment: Add your DreamCloud mattress to your cart and select “Pay with HSA/FSA” as your payment method.
2. Complete the survey:DreamCloud will send you an eligibility questionnaire to complete to determine if you can use your HSA or FSA funds to purchase a new mattress.
3. Pay for your mattress: You can use your HSA or FSA card like a regular credit card to make payment. You can also use a personal payment method and file a claim through your HSA or FSA administrator.

Ghost bed

with Ghost bedyou have Mattress options Like Ghostbed Oasis or Ghostbed Luxe. Ghost bed It offers a straightforward process that works alongside Truemed.

1. Go to checkout:Add your chosen Ghostbed mattress to your cart, and select “Pay with HSA/FSA Funds” at checkout.
2. Complete the Truemed ​​questionnaire:After purchasing your mattress, you will be redirected to the Truemed ​​website, where you will need to complete a quick healthcare questionnaire.
3. Finish checkout: After the survey, you can complete the payment process directly through Truemed. If you prefer to pay using a personal payment method, you will need to submit a claim afterward to receive reimbursement.

Bottom line

If your sleep is going on It has been vandalized by your mattressyou can take pre-tax dollars to put into a new dollar. However, mattresses are typically excluded from HSA/FSA funds unless a medical professional deems them medically necessary. Keep in mind that it may be difficult to get approved, so you may not receive the funds needed to purchase a new bed.

If budget is a concern, consider an affordable mattress like this one Brooklyn Bedding Signature Hybrid, It is a cost-effective option with great value. Our guide to Best mattresses of 2024 They can help you find the right mattress for your needs at a price you can afford.