FLEX FAQ

What is an HSA or FSA and what are the benefits?

An HSA (Health Savings Account) and an FSA (Flexible Spending Account) are tax-advantaged accounts for medical expenses, but differ in key aspects. FSAs are employer-sponsored, and allow employees to use pre-tax dollars for medical expenses such as prescriptions and copays, but typically feature a "use-it-or-lose-it" policy where funds must be used within the plan year. HSAs are available to individuals with a high-deductible health plan and offer greater flexibility, allowing funds to roll over annually.

How can I spend my HSA or FSA funds at Love My Sauna?

Select “Flex | Pay with HSA/FSA'' at checkout. Input your card details and checkout as usual.

Follow the steps to complete a brief telehealth consult via chat.

I’m not seeing HSA or FSA options show up at checkout. Why not?

In this case, none of the items in your cart may be HSA or FSA eligible. Reach out to flex@lovemysauna.com if you think there is an error.

I keep being pushed into Shop Pay. How do I use my HSA/FSA card?

If you continue to be pushed into the ShopPay checkout, we recommend completing your purchase in an incognito window.

Why was my HSA or FSA card rejected?

Like any credit or debit card, HSA/FSA cards can be declined if any of the data from the card is incorrect (name, number, expiration date, zip code). Flex will alert you in checkout if any of these fields is missing or incorrect so you can make corrections.

The most common reason for rejection is insufficient funds. Reach out to your HSA or FSA provider to verify the amount of money in your account before attempting to complete your purchase again.

I don’t have an HSA or FSA card. Can I still use my HSA/FSA funds?

Yes, you can still be reimbursed for the expense.

Select “Flex | Pay with HSA/FSA” at checkout. Instead of entering your HSA or FSA card, input your regular credit card.

Flex will email you an itemized receipt following your purchase. Submit the itemized receipt to your HSA or FSA provider for reimbursement.

What is a Letter of Medical Necessity?

A Letter of Medical Necessity (LOMN) is a document written by a healthcare provider that explains why a specific medical service, treatment, or equipment is necessary for a patient's health. In relation to an HSA (Health Savings Account) or FSA (Flexible Spending Account), an LOMN is often required for reimbursement of expenses that are not clearly defined as eligible under the standard IRS guidelines. Once approved, Flex will provide you with the required LOMN.

Who is Flex and what is their relationship with Love My Sauna?

Flex has partnered with Love My Sauna to enable consumers to use their HSA/FSA funds. You can think of Flex as an alternative payment method, similar to Affirm or Klarna.

I still have more questions on HSA/FSA. Who should I reach out to?

Email: flex@lovemysauna.com

Phone: (740) MY-SAUNA