Now accepting FSA & HSA

Use your FSA or HSA at SaveMedical

Care, made easier.

A lot of what you order from SaveMedical is eligible for purchase with FSA or HSA funds. Incontinence supplies, wound care, medical nutrition, mobility aids, and many other categories qualify.

If you have an FSA, your funds usually need to be spent by the end of the year or you lose them. We're here to make it easier to put that money toward supplies you actually need.

What FSA and HSA mean

FSA (Flexible Spending Account) and HSA (Health Savings Account) are pre-tax accounts that let you set aside money for qualified medical expenses. Most employers offer one, the other, or both as part of your benefits package.

The IRS defines what qualifies. In general, anything that helps diagnose, treat, or prevent a medical condition is eligible. That covers the vast majority of what we sell at SaveMedical.

FSA in short

• Set up through your employer, not your health plan
• You commit to a yearly amount during open enrollment
• Funds typically expire at year-end (use it or lose it)
• Some employers offer a 2.5-month grace period or up to $640 carryover

HSA in short

• Available with high-deductible health plans (HDHPs)
• Funds roll over from year to year
• Account stays with you if you change jobs
• Can be invested and grow tax-free

Always check with your plan administrator if you're unsure whether a specific item qualifies. Rules vary slightly by employer.

Important: Medical Nutrition

Nutritional products usually require a Letter of Medical Necessity

Per IRS Publication 502, nutritional supplements and medical foods (including Ensure, Boost, Suplena, Glucerna, Kate Farms, and tube feeding formulas) are reimbursable only when:

• A physician has diagnosed a specific medical condition
• The product is recommended to treat or manage that condition
• You have a Letter of Medical Necessity (LMN) on file

Without an LMN, your administrator may not approve the reimbursement. Ask your doctor to write one before placing a nutrition order if you plan to pay with FSA or HSA funds.

How to use FSA or HSA at SaveMedical

No FSA card? Pay with any other method and submit your SaveMedical receipt for reimbursement through your administrator.

Do I need an FSA or HSA card to order?

No. You can use any normal payment method at checkout, then submit your itemized receipt to your administrator for reimbursement. The FSA or HSA card is just the most convenient option.

How do I know if an item is eligible?

Most standard medical supplies (incontinence, wound care, diabetic, mobility) are broadly eligible. Medical nutrition and supplements usually require a Letter of Medical Necessity. If you're not sure, check IRS Publication 502 or call your plan administrator. We can't make that determination for your specific account.

What is a Letter of Medical Necessity (LMN)?

A Letter of Medical Necessity is a signed note from your physician that:

• Identifies a specific medical condition you've been diagnosed with
• Recommends the product as treatment for that condition
• States how long the treatment is expected to last (often 12 months)

Your doctor or your FSA administrator can usually provide an LMN template. Keep the letter on file for at least 3 years in case your administrator asks for documentation.

Are Ensure, Boost, Suplena, and other nutrition drinks eligible?

Usually yes, but only with a Letter of Medical Necessity. The IRS considers medical nutrition reimbursable only when prescribed for a specific diagnosed condition (such as chronic kidney disease, malnutrition, dysphagia, or certain cancers). Ask your doctor to write an LMN before placing a nutrition order if you plan to use FSA or HSA funds.

What's the difference between FSA and HSA?

FSAs are employer-sponsored. You pick a yearly contribution during open enrollment, and most plans require you to spend it within the year or lose it.

HSAs require a high-deductible health plan. Funds roll over year after year, stay with you if you change jobs, and can be invested.

What if my FSA dollars expire soon?

Most FSAs follow a calendar year, so funds usually need to be spent by December 31. Some employers offer a 2.5-month grace period or allow a small carryover (up to $640 for 2026). Check your plan documents to find your deadline.

Can I return items I paid for with FSA or HSA?

Yes, same return policy as any other order. Refunds go back to your original payment method, which means returns to your FSA or HSA account if that's what you used. Save your documentation just in case.

What if I use my FSA card for something that's not eligible?

Your administrator may ask you to reimburse the account from personal funds. To keep things simple, if your cart mixes eligible and non-eligible items, place them as separate orders with different payment methods.

What records should I keep?

Save your order confirmation email and any itemized receipts. For some items (especially medical nutrition), your administrator may ask for a Letter of Medical Necessity from your doctor. Keep records for at least 3 years.

Does SaveMedical offer subscriptions for FSA / HSA purchases?

Yes. Our Subscribe & Save program saves 5% on every recurring order and works with FSA or HSA cards just like single purchases. You can pause, skip, or cancel anytime.

Don't let your FSA funds expire

Most plans reset on December 31. Use what you've earned on supplies you actually need.

Questions? Email care@savemedical.com and a real person will help.