How to Know If Your Products Are Eligible (Hint: You Probably Already Qualify)

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HSA/FSA Eligibility Isn’t Just for Big Pharma Anymore

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Most wellness brands think of HSA and FSA spending as something reserved for prescriptions, copays, and pharmacy items. But in reality, a large portion of health and wellness products — especially those sold online — already qualify.

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The only problem? Most merchants don’t realize it — or aren’t set up to support it.

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If you sell vitamins, supplements, clean groceries, pain relief tools, or even sleep aids, there’s a strong chance your products are eligible. You just need the right framework to activate that value for your customers.

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What Makes a Product HSA/FSA-Eligible?

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The IRS allows HSA/FSA funds to be used on any product or service that is:

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• Primarily used to prevent or treat a medical condition,
• Recommended by a medical provider, and
• Not considered a general-use or cosmetic item (in most cases)

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This includes a wide range of “everyday” products — as long as there’s a valid medical use and, in many cases, a Letter of Medical Necessity (LMN) on file.

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Common Product Categories That Qualify

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Here's where many merchants miss out. If you sell products in any of these categories, you may already be eligible:

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Supplements (with LMN)

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• Probiotics for gut health
• Vitamin D or Iron for deficiencies
• Magnesium for migraines or sleep
• Omega-3s for cardiovascular or joint support

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Example: Seed, AG1, Thorne, Ritual — all potentially eligible with documentation

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Groceries and Functional Foods (with LMN)

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• Gluten-free or allergen-free items
• Low-glycemic, anti-inflammatory, or doctor-prescribed dietary items
• Medical nutrition drinks or protein powders

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This category often surprises merchants — but it's valid if tied to a medical condition.

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Recovery and Pain Relief Products

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• Compression sleeves, ice packs, massage guns
• Posture correctors, cold plunge tubs, ergonomic chairs

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Therabody, HigherDOSE, and similar brands often qualify with the right justification.

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Mental Health and Stress Management

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• Digital therapy apps
• Guided meditation platforms
• Sleep aids and weighted blankets

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Preventive and Daily Care

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• SPF 15+ sunscreen
• Orthotic insoles
• Electric toothbrushes (when dentist-recommended)
• Menstrual care products (automatically eligible — no LMN required)

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What Doesn’t Qualify (Without a Doctor’s Note)?

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To be clear, not everything wellness-adjacent qualifies. Items that are considered:

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• General wellness without medical context (e.g., beauty supplements, generic protein shakes)
• Cosmetic in nature (e.g., wrinkle creams, aesthetic treatments)
• Dual-use without clear health intent (e.g., general-purpose food)

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...are unlikely to be eligible unless linked to a documented condition and reviewed by a provider.

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So Why Aren’t Merchants Already Doing This?

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Two reasons:

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1. They assume HSA/FSA eligibility is only for insurance and pharma.
2. They don’t want to deal with the compliance risk or complexity.

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And honestly, they’re right to be cautious — many so-called “HSA processors” cut corners, use auto-generated LMNs, or shift liability back to the brand.

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How Wellness Pay Makes It Simple and Safe

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If you want to unlock tax-free spending for your customers without taking on audit exposure, you need a system that:

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• Verifies eligibility with real medical oversight
• Handles LMNs properly (no auto-approvals)
• Keeps you compliant with IRS and HIPAA guidelines
• Supports customers through onboarding, purchase review, and reimbursements

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Wellness Pay was built to do exactly that — while making the customer experience seamless.

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We work with licensed doctors, don’t require customers to waive HIPAA rights, and provide a clear paper trail that protects everyone involved. You stay compliant. Your customer saves. And your AOV goes up.

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Still Not Sure If You Qualify? Here’s a Quick Test:

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If your product...

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• Addresses a specific health concern (pain, digestion, energy, stress, inflammation, etc.)
• Could be recommended by a provider for medical reasons
• Isn’t just cosmetic or recreational

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...then you’re probably eligible — and we can help you activate that value at checkout.

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Next Steps: Unlock Tax-Free Checkout

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If you're a wellness brand selling supplements, functional foods, recovery tools, or anything health-related, HSA/FSA spending is already a massive opportunity. But it only works if you’re set up to do it right.

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Wellness Pay helps you:

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• Validate product eligibility
• Integrate HSA/FSA messaging into your site
• Give customers a safe, seamless path to pay or get reimbursed