A nasty mattress can have critical well being implications that go far past relentless tossing and turning at night time. It could possibly trigger extreme ache and simply exacerbate present well being circumstances. That is why the IRS lets you use your pre-tax {dollars} in your well being financial savings account (HSA) or versatile spending account (FSA) in direction of health-forward gadgets, equivalent to a good ring or bedding. An HSA or FSA could be an effective way to afford that new mattress you want, however it is not out there to simply anyone. First, it’s important to qualify.
Each mattress producer has a special course of. For instance, with Sleep Quantity, you buy your mattress first after which full a survey for qualification. With Avocado, you fill out your survey first after which try. In the event you’re contemplating buying a brand new mattress, that is the best way to purchase your subsequent mattress with HSA or FSA funds.
Can I take advantage of my FSA or HSA for a mattress?
Mattresses are usually not usually lined by HSA and FSA funds, however there are exceptions. In response to the HSA Retailer, “A mattress expense is simply eligible when its parts and building prices exceed these of a regular mattress for normal well being.” To make use of your funds for a brand new mattress, you will want to supply a letter of medical necessity (LMN) from a medical skilled stating you might have a medical want for a brand new HSA- or FSA-eligible mattress.
Widespread signs for an LMN embody however are usually not restricted to the next:
Mattress eligibility contains beds for each adults and kids. For 2024, the annual pre-tax contributions for a well being financial savings account are capped at $4,150 individually or $8,300 per household, with an extra $1,000 allotment for these 55 years and older. You may have all yr to make use of these funds, however any unused funds are forfeited after December 31 of every yr. After you submit your declare and LMN, it sometimes solely takes days to obtain expense approval.
Mattress manufacturers that could be FSA- or HSA-eligible
These are among the hottest mattress manufacturers that could be FSA- or HSA-eligible and their respective processes for shopping for a brand new mattress.
Sleep Quantity
Video producer and mattress professional Owen checks the adjustable mattress body on Sleep Quantity’s Climate360 good mattress.
Sleep Quantity is likely one of the most well-known producers of mattresses and has established a simple course of for getting new FSA- and HSA-eligible mattresses. Its line of good beds contains the c2, p5 and i8 good beds.
It is simple to buy a brand new Sleep Quantity mattress, with simply three steps required.
- Purchase your mattress:When you select the mattress you need to purchase, full the acquisition as you usually would.
- Full the Truemed survey: Your receipt or order affirmation will maintain a hyperlink to a fast reimbursement survey from Sleep Quantity’s well being advocacy companion, Truemed. Outcomes will robotically be submitted to a licensed supplier so you may entry a free analysis.
- Submit paperwork:In the event you’re authorised, a LMN will probably be emailed inside days. It will embody directions on the best way to submit your reimbursement declare to your HSA or FSA supplier.
Nectar
Sleep author Aly Lopez testing the Nectar Premier Hybrid as a abdomen sleeper.
Nectar is a well-liked mattress producer, with standard fashions such because the Nectar Luxe and Nectar Premier Hybrid.
Nectar makes use of a easy course of, very like its rivals, to use HSA or FSA funds towards a brand new mattress buy.
- Go to checkout: Add your chosen mattress to your cart, and below Cost Technique, select “Pay with HSA/FSA.”
- Full the questionnaire: Nectar requires you to finish a fast survey relating to your well being to verify eligibility.
- Submit your declare: Use your HSA or FSA funds on to pay to your mattress, or you should use a private fee methodology to submit a declare later to your HSA or FSA administrator.
Avocado
Video producer and mattress professional Dillon Lopez testing the Avocado Inexperienced mattress.
With Avocado, you might have a large alternative of FSA- and HSA-eligible mattresses out there for each adults and youngsters. All mattresses are eligible and have an unique HSA/FSA callout with a inexperienced verify icon the place the “Purchase Now” field is positioned.
Avocado additionally requires three steps, however they’re barely completely different from Sleep Quantity.
- Verify your eligibility: Full a fast survey from Sika to find out eligibility.
- Buy your mattress: Purchase your chosen mattress utilizing Sika to checkout along with your HSA or FSA funds.
- Submit your declare: Directions for submitting your reimbursement declare will probably be in your Sika receipt. Your letter of medical necessity will then comply with should you’re authorised.
DreamCloud
Video producer and mattress professional Wes Ott testing the sting assist of the DreamCloud mattress.
DreamCloud additionally requires three steps to obtain reimbursement to your new mattress.
- Checkout: Add your DreamCloud mattress to your cart and select “Pay with HSA/FSA” as your fee methodology.
- Full the survey:DreamCloud will ship you an eligibility survey to finish to find out if you should use your HSA or FSA funds for a brand new mattress.
- Pay to your mattress: You should use your HSA or FSA card like a traditional bank card to make fee. You may as well use a private type of fee and submit a declare by means of your HSA or FSA administrator.
Ghostbed
Video producer and mattress professional Jon Gomez testing the sting assist of the GhostBed mattress.
With Ghostbed, you might have mattress choices just like the Ghostbed Oasis or the Ghostbed Luxe. Ghostbed provides an easy course of that works at the side of Truemed.
- Go to checkout:Add your chosen Ghostbed mattress to your cart, and choose “Pay with HSA/FSA funds” at checkout.
- Full the Truemed survey:After you purchase your mattress, you will be redirected to the Truemed web site, the place you will want to finish a fast healthcare survey.
- End checkout: After the survey, you may full checkout immediately by means of Truemed. In the event you desire to pay with a private fee methodology, you will must file a declare afterward for reimbursement.
Backside line
In case your sleep is being sabotaged by your mattress, you might obtain pre-tax {dollars} to place in direction of a brand new one. Nevertheless, mattresses are generally excluded from HSA/FSA funds until a medical skilled deems them medically obligatory. Understand that it may be difficult to turn out to be authorised, so you might not obtain the funds for a brand new mattress.
If finances is a priority, contemplate a extra inexpensive mattress just like the Brooklyn Bedding Signature Hybrid, which is a cheap alternative with nice worth. Our information to the greatest mattresses of 2024 may help you discover the correct mattress to your wants at a value you may afford.