Paying with HSA or FSA funds
How it works for LED devices, what a Letter of Medical Necessity is, and what to check with your plan.
LED masks are not automatically eligible for Health Savings Account (HSA) or Flexible Spending Account (FSA) funds. Under IRS rules, the purchase has to be for a medical condition. For products like LED devices, that is shown with a Letter of Medical Necessity (LMN) from a licensed provider.
How it works at checkout
- Choose Flex at checkout and answer a short health questionnaire.
- A licensed clinician reviews it. If they decide the device is appropriate for a condition you have, they issue an LMN.
- Pay with your HSA or FSA card, or pay normally and submit the receipt and LMN to your plan for reimbursement.
Flex states that its LMNs are valid for 12 months. Eligibility is decided case by case, and your plan administrator makes the final decision. Cosmetic goals alone may not qualify.
Sources: Flex (withflex.com) product and LMN pages; IRS Publication 502 and Publication 969 set the underlying rules. Checked October 2026.
Estimate what pre-tax funds could save
HSA and FSA money is set aside before income tax, so the saving is roughly your tax rate on the amount. This is an estimate, not tax advice.
HSA and FSA questions
Do I need an LMN for every purchase?
For LED devices, generally yes. An LMN covers the product for the period it states. Skincare such as serums and cleansers is usually not eligible.
What if my claim is declined?
Your plan decides. If it is declined you can still keep the order, and our 60-day return window applies as normal.
Can I split payment between my HSA card and another card?
Yes. Pay the eligible amount with your HSA or FSA card and the rest with another method.