Pay with your HSA or FSA
Save about 30% on eligible mattresses. Select HSA/FSA at checkout.
Shop eligible itemsWhat happens at checkout
Three steps, all of them inside the checkout you already use.
Pick HSA/FSA at checkout
It sits in the payment list with credit card and the wallets, not off in a separate flow.
Answer a few health questions
A licensed provider reviews your answers to confirm eligibility. The questions do not hold up your order.
Pay with your HSA/FSA card
Use your HSA or FSA card, or split the order across two cards. If you qualify, your letter of medical necessity arrives by email after you check out.
How paying with HSA or FSA saves money
Because HSA and FSA accounts use pre-tax money, you get more purchasing power for your dollars.
The same mattress takes less out of your paycheck. Depending on your tax situation, that can be worth about 30%.*
Your bank account
Your HSA or FSA
Shop HSA eligible items
Our handcrafted mattresses, each marked HSA eligible.
HSA eligible
HSA eligible
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HSA eligible
Before you worry about it
No new account
No new account to open and no balance to top up. Bring the card your employer gave you.
Your order is not held up
The questions do not hold up your order, so you pay and check out as normal.
A provider reviews you, not us
A licensed provider reviews your answers, not our products.
Normal cards still work
Credit card is still a payment option at checkout, alongside the wallets, and nothing about this page changes that.
Common questions
FSA/HSA topics can be confusing, but paying with funds you already have is easy at Mattress Makers.
What are FSA and HSA accounts?
A Flexible Spending Account (FSA) and a Health Savings Account (HSA) both let you set aside pre-tax money for eligible health-related purchases. FSA funds typically must be used within the plan year, while HSA funds roll over year to year. Not sure if you have one? Check with your employer or your benefits provider.
Can I use my HSA/FSA at Mattress Makers?
Yes, on items marked HSA eligible when you check out on our website. Pick HSA/FSA in the payment list at checkout, answer a few quick health questions, and pay with your HSA or FSA card the same way you would use any other card. If you qualify, your letter of medical necessity comes to you by email after you check out.
Can I use my regular credit card instead?
Yes. Every regular payment option is still there. You can also split an order: put part of it on your HSA or FSA card and the rest on a regular credit or debit card.
What is a letter of medical necessity?
Under IRS guidelines, certain purchases may qualify as medical expenses when they help treat or manage a diagnosed health condition. A letter of medical necessity is documentation from a licensed healthcare provider confirming that a product may be needed for medical reasons.
At checkout, you answer a few brief health questions for a licensed provider to review. This won't delay your order, and if you qualify, your letter is emailed to you after checkout. Keep a copy, because your plan may ask to see it. Not everyone qualifies, and your plan makes the final decision on any claim.
Are there any fees?
No. You pay the price on the product page. There is no extra charge at checkout for paying with your HSA or FSA card.
When should I use my FSA/HSA dollars?
Any time of year. HSA money generally stays with you year after year. FSA money usually has a deadline, and many plans run use it or lose it at the end of the year, so check your plan's dates before December.
How long until I get my letter of medical necessity?
If you qualify, it arrives by email after you check out. If you do not see it, check your spam folder first, then reach out to our team and we will help.
I don't have an HSA/FSA. Can I still benefit?
You need one of those accounts to use pre-tax money. Check with your employer about FSA benefits, or look into opening an HSA if you have a qualifying high-deductible health plan. You can still check out normally with any card.
I don't live in the US. Can I still use this?
HSA and FSA are US accounts, so the pre-tax option applies to US plans only. You can still shop Mattress Makers with any of our regular payment options.
Use the card you already have
Pick HSA/FSA at checkout. Nothing else about your order changes.
Shop eligible items*Savings of about 30% are illustrative, not a discount. What you save depends on your tax rate and your plan.
Some of what we sell may qualify as a medical expense under IRS rules. Eligible items need a letter of medical necessity, which is documentation from a licensed healthcare provider confirming that a product may be needed for medical reasons. That review is done by a licensed provider, not by Mattress Makers. Not everyone qualifies. No product on this site has been reviewed or approved for you in advance.
A letter is not a guarantee that your plan will pay. Your plan administrator, the company that runs your HSA or FSA, makes that decision, and plans differ.
Mattress Makers is not a tax advisor, a medical provider, or a benefits administrator, and nothing on this page is tax, legal, or medical advice. For questions about your account or a claim, contact your plan administrator. For tax questions, talk to a tax professional. There is a yearly cap on how much you can put into one of these accounts. The IRS publishes the current numbers in Publication 969.
