Your future bed may be eligible for an HSA or FSA. Here’s how

A bad mattress can have serious health implications that go beyond relentless tossing and turning at night. It can cause severe pain and easily worsen existing health conditions. That’s why the IRS allows you to use your pre-tax dollars in your Health Savings Account (HSA) or Flexible Spending Account (FSA) toward healthy items, such as a smart ring or mattress. An HSA or FSA can be a great way to afford that new mattress you need, but it’s not available to everyone. First, you must qualify.

Every mattress manufacturer has a different process. For example, with Sleep Number, you first purchase your mattress and then complete a survey to qualify. With Avocado, you first fill out your survey and then check out. If you’re thinking about buying a new bed, here’s how to buy your next bed with HSA or FSA funds.

Can I use my FSA or HSA for a mattress?

Mattresses are generally not covered by HSAs and FSAs, but there are exceptions. According to the HSA Store, “A mattress expense is eligible only when its components and construction costs exceed those of a standard general health mattress.” To use your funds for a new mattress, you will need to provide a Letter of Medical Necessity (LMN) from a medical professional stating that you have a medical need for a new HSA or FSA eligible mattress.

Common symptoms for an LMN include, but are not limited to, the following:

Mattress suitability includes both adult and child beds. For 2024, annual pre-tax contributions to a health savings account are limited to $4,150 individually or $8,300 per family, with an additional $1,000 allocation for those 55 and older. You have all year to use these funds, but any unused funds are forfeited after December 31st of each year. Once you submit your application and LMN, it usually only takes a few days to get your expenses approved.

Mattress brands that may be eligible for an FSA or HSA

These are some of the most popular mattress brands that may be eligible for an FSA or HSA and their respective processes for purchasing a new mattress.

Sleep number

Sleep Number is one of the most popular mattress manufacturers and has an established process for purchasing new FSA and HSA eligible mattresses. Its line of smart beds includes the c2, p5 and i8 smart beds.

Buying a new Sleep Number bed is easy, with just three steps required.

1. Buy your mattress:Once you’ve chosen the mattress you want to buy, complete your purchase as you normally would.
2. Complete the Truemed ​​survey: Your invoice or order confirmation will hold a link to a quick reimbursement survey from Sleep Number’s health care partner, Truemed. The results will automatically be sent to a licensed provider so you can use a free estimate.
3. Submit the documents:If you are approved, an LMN will be emailed within a few days. It will include instructions on how to submit your reimbursement request to your HSA or FSA provider.

honeydew

Nectar is a well-known mattress manufacturer, with popular models such as Nectar Luxe and Nectar Premier Hybrid.

Nectar uses a simple process, just like its competitors, to apply HSA or FSA funds toward the purchase of the new mattress.

1. Go to checkout: Add your selected mattress to your cart and under Payment Method, select “Pay with HSA/FSA”.
2. Complete the questionnaire: Nectar requires you to complete a quick survey about your health to confirm eligibility.
3. Submit your request: Use your HSA or FSA funds directly to pay for your mattress, or you can use a personal payment method to submit a claim later to your HSA or FSA administrator.

avocado

With Avocado, you have a wide selection of FSA and HSA eligible mattresses available for both adults and children. All mattresses are eligible and have an exclusive HSA/FSA callout with a green check icon where the “Buy Now” box is located.

Avocado also requires three steps, but they are slightly different than the number of sleep.

1. Check your eligibility: Complete a quick survey from Sika to determine eligibility.
2. Buy your mattress: Buy your mattress of choice using Sika to pay with your HSA or FSA funds.
3. Submit your request: Instructions for submitting your refund request will be on your Sika invoice. Your letter of medical necessity will follow if you are approved.

DreamCloud

DreamCloud also requires three steps to receive a refund for your new bed.

1. conclusion: 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 an eligibility survey to complete to determine 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 like a normal credit card to make the payment. You can also use a personal payment form and submit a claim through your HSA or FSA administrator.

Ghost bed

With Ghostbed, you have mattress options like Ghostbed Oasis or Ghostbed Luxe. Ghostbed offers a straightforward process that works in conjunction with Truemed.

1. Go to checkout:Add your chosen Ghostbed mattress to your cart and select “Pay with HSA/FSA Funds” at checkout.
2. Complete the Truemed ​​survey:After purchasing your mattress, you will be redirected to the Truemed ​​website where you will need to complete a quick health care survey.
3. Finish the crate: After the survey, you can complete the purchase directly through Truemed. If you prefer to pay with a personal payment method, you will need to submit a claim afterwards for a refund.

end

If your sleep is sabotaged by your mattress, you can get pre-tax dollars to put towards a new one. However, mattresses are usually excluded from HSA/FSA funds unless a medical professional deems them medically necessary. Keep in mind that it can be challenging to get approved, so you may not get the funding for a new bed.

If budget is a concern, consider a more affordable mattress like the Brooklyn Bedding Signature Hybrid, which is a cost-effective and great value choice. Our guide to the best mattresses of 2024 can help you find the right mattress for your needs at a price you can afford.