Health savings accounts (HSA) and flexible spending accounts (FSA) are programs that allow you to set aside pre-tax dollars for eligible health-related expenses. If you’re unsure whether or not you have an HSA or FSA account, please check with your employer or insurance company.

At the "Payment" step, select "TrueMed - Pay with HSA/FSA".

Complete a brief (2-minute) health survey. If approved, you can enter your HSA/FSA card details to complete the purchase immediately.

Absolutely.If your HSA/FSA card is declined or you prefer to earn credit card rewards, simply use your regular card. After checkout, TrueMed will provide you with a Letter of Medical Necessity (LMN) and a detailed receipt. You can then submit these to your HSA/FSA administrator for direct reimbursement.

If your HSA/FSA balance is insufficient, we recommend paying for the full order with your personal credit card. You can then submit the receipt and your LMN to your administrator to withdraw whatever balance is available in your HSA/FSA account.

An LMN is a formal document issued by a licensed clinician stating that a product is necessary to treat a medical condition. This is required by the IRS for your purchase to be tax-compliant. The review is typically processed within 24 to 48 hours, and your LMN will be sent directly to your email.

The TrueMed clinical survey evaluates your entire cart. If certain items (like a mattress) qualify but others (like decorative bedding) do not, the clinician will issue an LMN for the qualifying portion. You can still pay for the full order and seek reimbursement for the eligible amount.

No. Sweetnight covers the cost of the clinical evaluation and LMN as a complimentary service to our customers. You only pay for the products in your cart.

Unfortunately, TrueMed’s services and HSA/FSA tax benefits are currently only available to customers residing in the United States.