FSA/HSA Eligible Products

Mattresses aren’t typically eligible within FSA/HSA plans, unless a healthcare professional deems it as medically necessary based on certain health conditions. A “Letter of Medical Necessity” (LMN) is required in these cases. 

We’re proud to partner with Sika Health, a third-party company that facilitates these LMNs with healthcare professionals so that you can use your funds! 

Bonus: All Personal Comfort Smart Bed mattresses are eligible for those who qualify—along with our Adjustable Base products and more!

An LMN, or Letter of Medical Necessity, is like a doctor’s note. It’s issued by a healthcare provider to outline the medical reasons why a particular product or service is medically necessary for an individual's health, and qualifies your purchase to be HSA/FSA eligible. LMNs demonstrate that an expense is needed to diagnose, treat or alleviate a medical symptom, rather than for general health or wellness purposes.

If you want to use your FSA/HSA funds to purchase Personal Comfort products, you’ll need a Letter of Medical Necessity (LMN). We’ve partnered with Sika Health to help you with this! 

Certain products are eligible for purchase with FSA/HSA funds if they treat, cure, prevent, diagnose or alleviate a medical need. For instance, items like bandaids are always eligible as they serve a solely medical purpose. 

However, there are “dual-eligible” products that can be used for general health and wellness or for specific medical purposes—if recommended by a healthcare provider based on your individual needs. Take iron supplements, for example; many use them to support their overall health. Yet, for someone with anemia, iron supplements become crucial. In such cases, individuals can use their FSA/HSA funds if their healthcare provider issues an LMN, recommending the supplements specifically to address their anemia.

You can request a Letter of Medical Necessity through our partner, Sika Health. If you’re approved, you’ll be able to check out using your FSA/HSA funds for your qualified purchase. 

To request an LMN to purchase Personal Comfort products, you will:

• Complete an intake form, similar to how you would at a doctor’s office
• Chat with a certified healthcare provider via text message for further evaluation

Once you have your LMN in hand, you can return to Personal Comfort and shop as usual. During checkout, you’ll simply select the Sika payment method to use your HSA/FSA funds.

To see if you’re a candidate for a Letter of Medical Necessity, Sika’s healthcare team will need some basic information from you. Similar to other teledoc experiences, you’ll be asked to share your name, contact information, date of birth, information about the symptoms you are experiencing, and your medical history. We will also verify your phone number and ask you to upload a photo ID to verify your identity. This pre-qualification process takes about 3 minutes.

A healthcare professional from Sika will then reach out via text message within 12 business hours to complete your verification. If approved, Sika will email you your LMN at that time.

Letters of Medical Necessity are valid for 12 months from the day they are signed and written.

The information you provide in the LMN process will be kept confidential and shared only with Sika’s healthcare providers to evaluate your eligibility for an LMN. For more information, see Sika Health’s privacy policy.

If you would prefer to use your own credit card at checkout, you’ll need to submit your receipt and a copy of your LMN to your plan for reimbursement.

To do this:

• Log into your FSA/HSA account on your benefit administrator’s website 
• Find the Reimbursement or Claims section 
• Upload your receipt and Letter of Medical Necessity

Your administrator will process and evaluate your claim. Please note that some FSA/HSA benefits administrators may incorrectly deny reimbursement, so before purchasing a product with an LMN you should consider contacting your administrator to determine if your purchases will be covered/reimbursed. You can learn more about what is eligible here. 

If you are having trouble locating your itemized receipt or LMN, please contact Sika at support@sikahealth.com.

No problem! Sika can check your balance and use that amount, and then you can put the remaining amount on a credit card or debit card.

Bundles do not apply, but you’re welcome to purchase multiple products—some that are eligible and some that are not—in the same order. You’ll just need to add each item individually to your cart. 

When you check out, you can then apply your FSA/HSA funds to the eligible products, and use another payment method for the ineligible products.

Sika’s independent healthcare provider may determine that you do not have symptoms demonstrating a medical necessity for a product or service. While you cannot use your FSA/HSA funds now, you can still use another payment method to complete your purchase. We do not recommend reapplying.