HSA/FSA Eligible
Your Mattress Is HSA/FSA Eligible
Use your Health Savings Account or Flexible Spending Account to invest in better sleep — and better health. Bedder Mattress is an approved HSA/FSA retailer.
Shop Eligible ProductsWhat Is HSA/FSA?
A Health Savings Account (HSA) and a Flexible Spending Account (FSA) are tax-advantaged accounts that allow you to set aside pre-tax dollars for eligible health-related expenses.
The IRS recognizes sleep as a medical necessity. That means a quality mattress — especially one recommended for back pain, sleep apnea, or other medical conditions — can qualify as an eligible purchase.
* Eligibility may vary. Consult your HSA/FSA plan administrator to confirm your specific coverage.
Tax-Free Savings
Use pre-tax dollars and save up to 30–40% on your mattress purchase compared to paying out-of-pocket.
Why Use Your HSA/FSA at Bedder Mattress?
Take advantage of your pre-tax health dollars before they expire. Don't let your benefits go to waste.
Save Up to 40%
Your HSA/FSA funds are tax-free, which means more buying power for a premium mattress.
Doctor-Recommended
If your doctor recommends a better mattress for back pain, sleep apnea, or injury recovery, your HSA/FSA may cover it.
Invest in Your Health
Quality sleep reduces stress, improves immunity, and boosts overall well-being — it's healthcare you can sleep on.
How to Use Your HSA/FSA at Bedder Mattress
It's simple — just follow these three easy steps to use your benefits in-store or online.
Check Your Balance
Log into your HSA/FSA portal or call your plan administrator to confirm your available balance.
Choose Your Mattress
Browse our selection of eligible mattresses in store or online. Our sleep experts can help you find the right fit.
Pay with Your Card
At checkout, simply use your HSA or FSA debit card just like any other payment card. That's it!
What Products Are Eligible?
Many of our products qualify for HSA/FSA reimbursement, especially when recommended by a healthcare provider.
Mattresses
Orthopedic, memory foam, hybrid — especially beneficial for back pain, arthritis, and sleep disorders.
Adjustable Bases
Recommended for acid reflux, snoring, sleep apnea, and circulation issues.
Pillows (Medical)
Cervical and orthopedic pillows that support proper spinal alignment.
Mattress Protectors
Hypoallergenic protectors for allergy sufferers and asthma patients.
Mattress Toppers
Pressure-relief toppers for post-surgery recovery and chronic pain management.
CBD Sleep Products
Our Vital Sleep CBD mattresses may qualify with a Letter of Medical Necessity (LMN).
* Some items may require a Letter of Medical Necessity (LMN) from your doctor. Contact your plan administrator for details.
Need a Letter of Medical Necessity?
Some HSA/FSA plans require a Letter of Medical Necessity (LMN) from a licensed healthcare provider to approve mattress purchases.
An LMN is simply a note from your doctor stating that a quality mattress is medically necessary for your condition — such as chronic back pain, sleep apnea, fibromyalgia, or post-surgical recovery.
How to get your LMN:
- Ask your primary care physician or specialist
- Mention your specific sleep-related medical condition
- Request a written letter on official letterhead
- Submit it to your HSA/FSA plan administrator
Free Assistance
Visit any Bedder Mattress location and our sleep experts will help guide you through the HSA/FSA process — at no extra charge.
Find a StoreFrequently Asked Questions
Can I use my HSA/FSA card directly at Bedder Mattress?
Yes! Simply use your HSA or FSA debit card at checkout — in-store or online — just like a regular debit card. No special paperwork needed at the time of purchase in most cases.
What if my HSA/FSA card is declined?
Some plans require pre-authorization or an LMN. If your card is declined, pay out-of-pocket and submit a reimbursement claim to your plan administrator with your receipt and doctor's note.
Is a prescription required?
A prescription is not always required, but a Letter of Medical Necessity (LMN) from your doctor may be needed depending on your plan. Check with your HSA/FSA administrator for specifics.
Can I use both HSA/FSA and a finance plan?
Yes! You can combine your HSA/FSA funds with our financing options (Synchrony, Affirm, Progressive Leasing) to maximize your purchasing power and minimize out-of-pocket costs.
When do my FSA funds expire?
Most FSA accounts expire at the end of the plan year (December 31st), though some offer a grace period or rollover. HSA funds roll over indefinitely. Don't let your dollars go to waste — use them on a better night's sleep!
Can I get reimbursed if I already purchased?
Yes. If you paid out-of-pocket, you can submit a reimbursement request to your HSA/FSA administrator with your Bedder Mattress receipt and any required documentation.
Ready to Sleep Better?
Use your HSA or FSA dollars before they expire. Visit us in-store or shop online today — our sleep experts are here to help.
Shop Now with HSA/FSA* HSA/FSA eligibility varies by plan. Bedder Mattress is not a medical provider and does not guarantee HSA/FSA approval for any purchase. Customers should consult their plan administrator or healthcare provider to confirm eligibility. A Letter of Medical Necessity (LMN) may be required by some plans. Tax savings estimates are approximate and depend on individual tax situations.
