HSA/FSA Eligibility
Use your pre-tax health savings to pay for an adjustable bed.
Last updated: May 2026
Why Adjustable Beds Qualify
Adjustable beds are classified as durable medical equipment (DME) by many HSA/FSA administrators
The IRS allows HSA/FSA funds for medical devices prescribed by a healthcare provider
Commonly prescribed for: chronic back pain, GERD/acid reflux, sleep apnea, edema, post-surgical recovery
A Letter of Medical Necessity (LMN) is typically required - WithFlex connects you with their in-house doctors to handle this for you
How to Pay With HSA/FSA
1
WithFlex
Select WithFlex at checkout - they handle LMN through their in-house doctors
2
Approve
WithFlex verifies eligibility and obtains the LMN
3
Pay
Use your HSA/FSA debit card through WithFlex
4
Save
Keep receipt + LMN for your tax records
WithFlex Handles the Paperwork
Don't have an LMN? No problem. WithFlex connects you with their in-house licensed physicians who can evaluate your condition and issue a Letter of Medical Necessity as part of the checkout process. No separate doctor visit needed.
If Your HSA/FSA Card Is Declined
Some HSA/FSA cards are restricted to merchants coded as medical providers
Solution: use WithFlex at checkout - they are coded as an eligible medical provider
Alternative: pay with a regular card and submit for reimbursement with receipt + LMN
Reimbursement processing: typically 1-3 weeks depending on administrator
You can combine HSA/FSA with any financing provider - pay part with health savings, finance the rest
What Qualifies
Product
Eligible
Notes
Adjustable base (any tier)
Yes
The base is the medical device
Bundle (base + mattress)
Base: Yes
Mattress portion depends on administrator
Mattress only
Rarely
Only if doctor specifies in LMN
Accessories
No
Not classified as medical devices
White Glove setup
Possibly
Some administrators cover setup of medical equipment
Tax Year Timing
HSA/FSA purchases count for the tax year in which the charge is processed
If purchasing near year-end, ensure the charge processes before December 31
Affirm installment payments: only payments made within a tax year count for that year
Keep all documentation (receipt, LMN, reimbursement confirmation) for at least 3 years
Frequently Asked Questions
Do I need a prescription or LMN?
A Letter of Medical Necessity is typically required, but WithFlex connects you with their in-house physicians who can issue one as part of checkout.
Does the mattress qualify?
The adjustable base is the medical device. Mattresses alone typically don't qualify unless your doctor specifies it in the LMN.
Can I combine HSA/FSA with financing?
Yes. Pay part with your HSA/FSA card and finance the remainder with Affirm, Synchrony, or Klarna.
My card was declined at checkout?
Use WithFlex at checkout instead - they're coded as an eligible medical provider. Alternatively, pay with a regular card and submit for reimbursement.
Which conditions qualify?
Commonly: chronic back pain, GERD, sleep apnea, edema, post-surgical recovery, circulatory conditions. Your doctor determines medical necessity.
Still have questions?
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