HSA/FSA Payments with Flex
← All financing & payment options
Put your HSA/FSA
toward better sleep.
Shop sleep products marked HSA/FSA eligible and choose Flex at checkout. Flex guides the eligibility process online—no separate doctor’s appointment needed.
Have your HSA/FSA debit card ready. Some items require a brief online health review through Flex.
*Illustration assumes a 30% combined marginal tax rate. Your savings depend on your tax situation, state rules, and eligible spending. This is a tax benefit, not a store discount or tax credit. See Flex’s savings explanation.
Don’t leave FSA dollars unused.
Unused FSA funds may expire at the end of your plan year—often December 31. Some plans offer a limited carryover or grace period. Check your balance and deadline before shopping.
Put eligible funds toward better sleep →Your HSA rolls over.
Unused HSA funds carry into the next year. There’s no year-end use-it-or-lose-it deadline. Use your balance for qualified purchases when the time is right for you.
Choose your sleep essentials. Flex handles the next steps.
- Shop eligible productsExplore our HSA/FSA collection or look for the Flex HSA/FSA badge on a product page.
- Choose Flex at checkoutSelect Flex | Pay with HSA/FSA from the payment options.
- Follow the online promptsFlex checks your cart. If your items need a health review, complete the brief online questions; Flex arranges the clinician review.
- Pay & place your orderEnter your HSA/FSA card details, review the eligible amount, and complete your purchase. Keep the receipt Flex provides.
Choose “Pay another way.”
Already signed into Shop Pay? Select Pay another way, then choose Flex. You can use your saved contact and shipping details without starting checkout over.
Find your sleep essentials →Your paperwork, in one place.
Use the Flex Consumer Portal to access your purchase documents and get payment or receipt help. If you paid personally through Flex, its portal can guide reimbursement claims for supported benefits administrators.
Open the Flex portal →A few helpful details.
What to have ready, how to pay, and where to find help.
Do I need to visit my doctor or get a prescription first?
You don’t need to arrange a separate doctor’s appointment before using Flex. Some items are checked automatically. If a Letter of Medical Necessity is needed, Flex guides you through a brief online consultation and arranges review by a licensed clinician. Flex provides the letter if you qualify—you don’t have to obtain it from your own doctor first.
What should I have ready at checkout?
Have your HSA/FSA debit card and available balance ready. Flex asks for your card details, much like other online payments. If you don’t have the card available, you can choose Flex, pay with a personal credit or debit card, and follow its reimbursement instructions for an eligible purchase.
Can I combine HSA/FSA funds with another payment method?
Yes. Flex supports split payments. Use HSA/FSA funds for the eligible portion and a credit or debit card for the rest. Review the amounts shown by Flex before completing your purchase.
Does every product qualify?
Start with our HSA/FSA collection and the Flex information on product pages. Flex checks the items in your cart and shows the eligible amount. Some products also require its online health review. Eligibility depends on the purchase, your circumstances, and your plan.
How do I get my receipt or request reimbursement?
Flex provides purchase documentation by email and through its Consumer Portal. For eligible purchases paid personally through Flex, select your benefits administrator in the portal and follow the claim instructions. Where supported, Flex brings your receipt and required documents together for submission. Your benefits administrator decides the claim.
Where do the potential 30% savings come from?
HSA/FSA funds can let you pay for qualified expenses with pre-tax dollars. The savings come from the taxes you avoid on those dollars, rather than a lower checkout price. Flex’s 30% illustration assumes a 30% combined marginal tax rate; your actual savings may be higher or lower.
Do I still need to report HSA spending on my taxes?
Yes. Qualified HSA withdrawals are generally free of federal income tax, but they must still be reported on IRS Form 8889. Keep your receipts and required documents. This benefit is not a separate tax credit; state tax treatment may differ. Read the IRS HSA/FSA guide.
Eligibility and reimbursement follow your plan’s rules. Read Flex’s disclosures. For Flex payment or documentation help, email support@withflex.com.
Find the right sleep products.
Browse eligible options, or ask Bedder about comfort, sizing, and your order.