Can I use my HSA or FSA to buy a sauna?
- Health Mate Sauna
- Infrared Sauna
Some customers pay for a Health Mate sauna using a Health Savings Account (HSA) or Flexible Spending Account (FSA). It isn’t automatic — it depends on your medical situation and your plan. Here’s how the process generally works.
Is a sauna covered?
A sauna isn’t covered by default. It may qualify as a medical expense when a licensed healthcare provider documents that it is part of the treatment of a specific medical condition. Your plan administrator makes the final decision.
What is a Letter of Medical Necessity?
A signed letter from your healthcare provider stating your condition, why infrared sauna use is recommended as part of your treatment, and how long it is expected to be needed. Some administrators have their own form they prefer you use.
Should I check before I buy?
Yes. Many plans require approval in advance, and some will not reimburse a purchase made before the letter is on file. Speak to your provider and your plan administrator first.
What do I need to submit?
Usually two things: the Letter of Medical Necessity, and an itemized receipt showing the merchant, date, item and amount. Your administrator will tell you exactly what they require.
Will Health Mate tell me whether I am eligible?
No. We are not a healthcare provider or a plan administrator, so we cannot determine eligibility or promise reimbursement. What we can do is make sure you have complete documentation.
What documentation will you provide?
An itemized invoice showing the model purchased, the price, the date and our business details, plus product specifications if your provider wants to reference them. Just ask and we will send it.
What if my claim is denied?
That is a decision for your plan administrator, and administrators differ in how they treat the same expense. If a denial comes down to missing paperwork on our side, contact us and we will supply whatever documentation you need.
Health Mate does not provide medical, tax or legal advice. Eligibility and reimbursement are determined by your healthcare provider and your plan administrator, under the rules of your plan and current IRS guidance. Please consult them before purchasing.
Questions about documentation? Call (714) 739-6600.
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