Health Savings Accounts (HSAs) let you set aside pre-tax dollars to pay for qualified health expenses. HSAs are linked to high-deductible health plans, and funds in these accounts roll over year after year.

Flexible Spending Accounts (FSAs) allow you to use pre-tax dollars for eligible health expenses. Unlike HSAs, FSAs are not tied to a specific health plan and often require you to use the funds within the calendar year. FSAs are typically provided by employers.

A Letter of Medical Necessity is a document from a licensed healthcare provider that verifies the medical necessity of a product or service, making it eligible to purchase using your HSA or FSA. This might include items or treatments like supplements or physical therapy that aren’t automatically recognized as eligible expenses.

A licensed clinician will determine your eligibility during a chat-based telehealth consultation. According to IRS guidelines, you must have a medical condition that warrants the product or service you intend to purchase using your HSA/FSA. A range of conditions—such as cardiovascular, metabolic, musculoskeletal, autoimmune, neurological, or mental health conditions—could qualify.

Your Letter of Medical Necessity is valid for 12 months from the date of issue. It can be used for any eligible purchases made during this time. Be sure to keep and submit all related receipts when filing with your HSA/FSA administrator.

1. At checkout, select "Flex | Pay with HSA/FSA."
2. Complete a brief chat-based telehealth consultation to confirm eligibility.
3. If eligible, enter your HSA/FSA card details and complete your purchase.
4. If you don’t have your HSA/FSA card available, use a regular credit or debit card. Submit your Letter of Medical Necessity and itemized receipt (provided by Flex) to your HSA/FSA administrator for reimbursement.

You’ll receive your Letter of Medical Necessity on the same day as your consultation, often within a few hours.

When you complete your purchase with Flex, your itemized receipt will be sent immediately after checkout.

In this case, none of the items in your cart may be HSA or FSA eligible. Reach out to hello@gutpersonal.com if you think there is an error.

If you continue to be pushed into the ShopPay checkout, we recommend completing your purchase in an incognito window.

Like any credit or debit card, HSA/FSAs can be declined if any of the data from the card is incorrect (number, expiration date, zip code etc). Flex will alert you in checkout if any of these fields is missing or incorrect so you can update them.

The most common reason for rejection of the card is insufficient funds. Reach out to your HSA or FSA provider to verify the amount of money in your account before attempting to complete your purchase again.

Yes, you can still be reimbursed for the expense.

Select “Flex | Pay with HSA/FSA” at checkout. Instead of entering your HSA or FSA card, input your regular credit card.

Flex will email you an itemized receipt following your purchase. Submit the itemized receipt to your HSA or FSA provider for reimbursement.