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Can you buy a sauna with your HSA or FSA? Is it an eligible expense? 

The short answer is yes, you may, as long as you obtain a Letter of Medical Necessity.

We’ve partnered with Truemed to allow you to use your Health Savings Account (HSA) or Flexible Spending Account (FSA) at Nordica. This means you can buy our products with pre-tax dollars, resulting in net savings of 30-40%.

The standard rule is that a sauna is not FSA/HSA eligible, meaning you cannot use these accounts to pay for it directly. However, a sauna purchase may be eligible if you obtain a Letter of Medical Necessity from a medical provider. Eligible expenses with an FSA/HSA usually include medically necessary treatments and equipment.

So to use your FSA/HSA to pay for a sauna, it must qualify as a medical expense. Generally, a Letter of Medical Necessity (LMN) from a healthcare provider is required to justify the health benefits and necessity of a sauna for treatment or therapy.  Since saunas, ice bath tubs, and other wellness products are now considered very beneficial tools for mental and physical health, FSA and HSA cards are now being accepted as health and medical expenses as long as they are accompanied by a LMN. 

Nordica Sauna has partnered with Truemed to help you obtain a Letter of Medical Necessity so you can use your FSA/HSA funds to purchase a sauna. HSAs and FSAs were created for you to spend tax-advantaged dollars on products and services that can treat or prevent medical conditions and Truemed is making it easy to do just that.

How does Truemed work?

The process is simple - follow these steps based on whether you have sufficient funds on your FSA/HSA debit card.

Your FSA/HSA debit card has enough funds for the full purchase amount

  1. Add items to your cart and checkout
  2. Select Truemed - Pay with FSA/HSA as payment option
  3. Follow the steps and enter your HSA or FSA card details
  4. Fill in a short and secure eligibility form
  5. Complete your purchase

Your HSA/FSA debit card does not have enough funds for the full purchase amount

  1. On the product page, click on the "Get pre-qualified" link and complete the details
  2. Once approved, you will be issued a Letter of Medical Necessity (LMN) for your purchase
  3. Once you receive your LMN, use your credit card to complete the purchase on our website
  4. After your purchase, follow the reimbursement instructions sent to you to submit your receipts and LMN to your HSA/FSA provider

Try Our Sauna Quiz To Find Your Ideal Sauna Today

Frequently Asked Questions

Truemed partners with health and wellness brands like Nordica Sauna to enable qualified customers to use FSA/HSA funds on health and wellness purchases. Truemed partners with a network of medical practitioners who can issue Letters of Medical Necessity to qualifying customers, thereby saving customers money on health and wellness purchases.

Truemed is backed by best-in-class investors, including functional medicine pioneer Mark Hyman and founders from Thrive Market, Eight Sleep, and Levels.

Using your HSA/FSA funds on eligible products, like a sauna, can result in significant savings. These accounts use pre-tax dollars, which means you could save up to 30-40% on average on your purchases at Nordica Sauna by using TrueMed.

HSA/FSA accounts were created so individuals could use pretax money to pay for expenses incurred in the prevention or alleviation of a disease. Because HSA/FSA uses tax-free money, you’re getting more purchasing power for your dollars. Rather than pay taxes on your income and then spend it on health items, you can use pre-tax funds to invest in your health.

An individual can contribute up to $3,850 pretax to their HSA per year, or $7,750 for a family (plus an additional $1000 if you are 55+). Individuals can contribute up to $3,050 pretax to their FSA per year (with an additional $500 in employer contributions allowed). Almost every individual will save between $1,000 and $2,000, depending on their state and tax rate. Use a calculator here to estimate your savings.

Unfortunately, Truemed’s services are for individuals who have HSA or FSA accounts (or plan to fund one during open enrollment). We encourage you to ask your employer for information on HSAs or FSAs.

The items contained in a Letter of Medical Necessity (“LMN”) are now qualified medical expenses in the same way a visit to the doctor’s office or pharmaceutical product is.

Since we are facing a chronic disease crisis in the US, there are thousands of studies showing food and exercise are often the best medicines to prevent and reverse disease. 

Exercise qualifies as a qualified medical expense with an LMN. Food, supplements, and other wellness purchases qualify as medical expenses if they treat or prevent an illness, and a doctor substantiates the need. 

Your Truemed LMN satisfies all IRS requirements to make your wellness spend fully reimbursable.

Truemed also offers a guarantee that they will pay the full amount you should have saved if any HSA/FSA purchase outlined in our LMNs is rejected. Please email support@truemed.com if you have any questions or need assistance.

Letters of Medical Necessity are valid for 12 months before they need to be renewed.

Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are tax-free accounts that can be used to pay for qualified medical expenses. These accounts are usually set up and managed by an HSA or FSA administrator, and you should have access to said HSA/FSA administrator through your employer (ask your HR department).

HSAs are typically associated with a high-deductible health plan, and funds do not expire. 

FSAs are independent of your health plan, and funds elections occur in October-November each year for the following calendar year. FSA funds expire every calendar year.

Unfortunately, HSAs and FSAs are not available outside of the US, and self-employed individuals (who do not have an HSA from a previous employment) do not qualify for HSAs or FSAs.

Certain items and procedures are known to not be covered by an HSA card or account. These include child care and household care, elective procedures such as cosmetic surgery, toiletries, teeth whitening products, and hair removal. 

Because these items and procedures do not affect the overall health of a person, they are not covered by your health savings account.

Absolutely - you can use your HSA card, but your FSA card will likely not transact successfully. In either case, complete the Truemed intake survey and acquire a Letter of Medical Necessity. 

We strongly encourage simply transacting with your normal credit or debit card, and submitting for reimbursement as outlined above for the greatest likelihood of success.

Please reach out if you have any questions about using your HSA/FSA or would like additional information about the process.

For most FSA/HSA administrators, your expenses will be approved within days when submitted with your Truemed Letter of Medical Necessity. Specific timing will vary based on your administrator.

Yes. You can still submit for partial reimbursement. 

For example: if you purchase an eligible item for $2,000 but only have $1,400 in your account, you can reimburse $1,400 of your purchase with your tax-free funds (with the remaining $600 paid for as normal).

Truemed offers a reimbursement guarantee for purchases with official Truemed merchant partners, like Nordica Sauna. As long as you have funds in your HSA or FSA account, the Truemed team will work with you to ensure that your purchase is reimbursed in full.

While the exact policy depends on your specific HSA or FSA administrator, we generally advise that you submit expenses incurred on or after the date listed on your Letter of Medical Necessity.

If you have already received an LMN for purchases with a partner brand, as long as your LMN is still valid (ie. within 12 months of issuance), you do not need to complete the survey again.

There is no cost to you, as long as you are shopping with a Truemed partner merchant.

For most Americans, open enrollment is in the last four months of the year. Simply elect to increase contributions to your HSA or FSA during this time and you can begin shopping with Truemed merchant partners. Starting on January 1st, you’ll be able to spend your entire HSA amount on healthy food and exercise. This money will be pulled from your paycheck by your HSA administrator (tax-free) in equal installments throughout the year.

Reimbursing purchases from the past before the LMN issuance is generally not allowed and not something Truemed recommends that customers do.

Yes, your Letter of Medical Necessity can cover multiple products.  You can also apply to obtain a LMN for most accessories such as a sauna heater, and other product categories that Nordica Sauna offers like cold baths and infrared therapy.

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