Your Next Bed Could Be HSA- or FSA-Eligible. Here’s How

A bad mattress can lead to serious health problems that go beyond constant tossing and turning at night. It’s over causing severe pain and easily expand existing conditions. This is why the IRS allows you to spend your tax dollars in your account health savings account (HSA) or a flexible spending account (FSA) for health promotion purposes, such as a A ring of wisdom or blankets. An HSA or FSA can be a great way to buy that new mattress you need, but it’s not available to everyone. First, you must be qualified.

Every mattress manufacturer has a different method. For example, it is Number Sleepsyou buy your mattress first and then complete your research to qualify. I am Pear, You fill out your survey first and then search. If you’re thinking about buying a new bed, here’s how to buy your next bed with HSA or FSA money.

Can I use my FSA or HSA for a mattress?

Mattresses are usually not covered HSA and FSA fundsbut there are exceptions. According to The cost of HSA shares“The cost of a mattress is reasonable only if the components and construction costs are greater than those of a mattress that is in good health.” To spend your money on a new mattress, you must provide a medical necessity letter (LMN) from medical experts say that you need a new HSA- or FSA-eligible mattress.

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

The suitability of the mattress includes beds for adults and children. For 2024, a annual contribution before tax about a health savings account it amounts to $4,150 for an individual or $8,300 for a family, with an additional $1,000 for ages 55 and over. You have a whole year to use this money, but any unused money is forfeited after December 31st of each year. Once you submit your application and LMN, it only takes a few days to get the money approved.

Types of mattresses that may be FSA- or HSA-eligible

These are some of the most popular mattress brands that may be FSA- or HSA-eligible with their own criteria buy a new mattress.

Number Sleeps

Number Sleeps is one of the most well-known mattress manufacturers and has a regular policy of buying new FSA- and HSA mattresses. His line of smart beds it includes smart beds for c2, p5 and i8.

It’s simple buy a new Apartment Numberwith only three steps required.

1. Buy your mattress:Once you’ve chosen the mattress you want to buy, complete the shopping process as you normally would.
2. Complete a Truemed ​​survey: Your receipt or order confirmation will contain a link to a quick refund survey from your Sleep Number health representative partner, Truemed. Results will be provided to licensees for free evaluation.
3. Send the papers:Once approved, the LMN will be emailed within days. It will also include instructions on how to transfer your interest to an HSA or FSA.

Nectar

Nectar is a famous mattress manufacturer, and popular examples such as Nectar Luxe and Nectar Premier Hybrid.

Nectar uses a simple methodlike many competitors, using HSA or FSA funds to purchase a new mattress.

1. Go to payment: Add the mattress of your choice to your cart, and under Payment Method, select “Pay with HSA/FSA.”
2. Write the questions: Nectar requires you to complete a quick health survey to confirm eligibility.
3. Send what you want: Use your HSA or FSA funds directly to pay for your mattress, or you can use the self-pay option to submit your claim later to the HSA or FSA administrator.

Pear

I am Pearyou have a large selection of FSA- and HSA-eligible mattresses available for adults and children. All mattresses are eligible and have an exclusive HSA/FSA callout with a green check mark next to the “Buy Now” box.

The pear also requires three stepsbut it’s a little different from the Sleep Number.

1. Check your eligibility: Complete a quick survey from Sika to determine eligibility.
2. Buy your mattress: Buy the mattress of your choice using Sika to get out of your HSA or FSA savings.
3. Send what you want: Instructions for sending your return will be on your Sika receipt. Your medical necessity letter will follow if you are accepted.

DreamCloud

DreamCloud and also requires three steps to receive the payment for your new bed.

1. See: 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 a qualifying survey to complete to see if you can use your HSA or FSA funds for a new mattress.
3. Pay for your mattress: You can use your HSA or FSA card as a credit card to pay. You can also use the self-pay option and make a contribution through your HSA or FSA administrator.

Ghostbed

I am Ghostbedyou have mattress options such as Ghostbed Oasis or Ghostbed Luxe. Ghostbed offers a straightforward solution that works hand-in-hand with Truemed.

1. Go to payment:Add your Ghostbed mattress to your cart, and select “Pay with HSA/FSA funds” at checkout.
2. Complete a Truemed ​​survey:When you purchase your mattress, you will be directed to the Truemed ​​website, where you will need to complete a quick medical check.
3. Complete the payment: After the survey, you can complete the payment directly through Truemed. If you want to pay with a personal payment method, you will have to pay the interest later to get a refund.

Bottom line

If your sleep is destroyed by your mattressyou can get tax dollars to buy a new one. However, mattresses are often excluded from HSA/FSA funding unless a physician deems them medically necessary. Keep in mind that it may be difficult to get approved, so you may not receive funding for a new bed.

If budget is a concern, consider cheaper mattresses like Brooklyn Bedding Signature Hybrid, which is the cheapest option and the most expensive. Our guide to The best mattresses of 2024 can help you find the right mattress for your needs at a price you can afford.