An FSA (Flexible Spending Account) and an HSA (Health Savings Account) are tax-advantaged accounts for medical expenses but differ in key aspects.

FSAs, employer-sponsored, allow employees to use pre-tax dollars for medical expenses such as prescriptions and copays, but typically feature a "use-it-or-lose-it" policy where funds must be used within the plan year.

HSAs are available to those with a high-deductible health plan and offer more flexibility, allowing funds to roll over annually.

For more information, see Flex’s Comprehensive Guide to HSA/FSAs.

Yes, certain red light therapy devices are HSA eligible. We recommend checking the product details to confirm eligibility for your HSA plan.

A letter is essentially a note from a doctor stating that you are purchasing an item to treat or manage a medical condition. More details can be found here.

This means that product is not eligible for this payment method.

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.

In order to qualify to use your HSA or FSA card for Omnilux HSA/FSA eligible products, the IRS requires you to have a Letter of Medical Necessity.

Omnilux has partnered with Flex to enable asynchronous telehealth visits as part of our checkout. Within 24 hours of your purchase, Flex will email you both an itemized receipt.

You should keep it on file for at least three years in the event of an IRS audit of your HSA or FSA account. Occasionally, FSAs may ask for the Letter to confirm the eligibility of your purchase.

Please email support@withflex.com and they will reach out to their telehealth team to reprocess and send your corrected Letter of Medical Necessity.

Please check your spam folder, as sometimes emails from notifications@withflex.com may be automatically filtered as spam by some email service providers. If you still can’t find it, please email support@withflex.com and let them know the email address associated with your order.

Omnilux has partnered with Flex to allow you to use your Health Savings Account (HSA) or Flexible Spending Account (FSA). This means you can now use your HSA or FSA debit card to buy Omnilux HSA eligible products with pre-tax dollars, resulting in net savings of 30-40%, depending on your tax bracket.

To use your HSA or FSA debit card, add products to your cart as usual. At checkout, select “Flex | Pay with HSA/FSA” as your payment option, enter your HSA or FSA debit card, and complete your checkout as usual. If you don’t see “Flex | Pay with HSA/FSA,” you may be in Shop Pay. Select “checkout as guest” to view more payment options.

If you don’t have your HSA or FSA card handy, still select “Flex | Pay with HSA/FSA” as your payment method. Enter your credit card information and  Flex  will email you an itemized receipt to submit for reimbursement.

The key here is to make sure you are logged out of ShopPay. One of the easiest ways to do this is to go through checkout in an incognito window.

HSA/FSA cards are debit cards, and the most common reason for declines is insufficient funds. Reach out to your HSA/FSA administrator to confirm your balance.

Please check your spam folder, as sometimes emails from notifications@withflex.com may be automatically filtered as spam by some email service providers. If you still can’t find it, please email support@withflex.com and let them know the email address associated with your order.

No, unfortunately, this isn't a supported feature right now. If there are insufficient funds in a single HSA or FSA account, you can instead enter a credit card on the  Flex checkout page. You will receive an itemized receipt and/or Letter of Medical Necessity from  Flex, which you can submit for reimbursement.

Sales tax for eligible items is also covered by HSA/FSA funds. If the customer has a split cart, the tax will be divided among the cards based on the items.