Pay for Muse with your HSA/FSA Card
Enjoy Effective Savings of 30%
We've partnered with Flex to allow qualified customers to use their Health Savings Account (HSA) or Flexible Spending Account (FSA). This means you may be able to use your HSA or FSA debit card to buy our products with pre-tax dollars, resulting in net savings of 30-40%.
What is a qualified customer?
The IRS oversees HSA and FSA eligibility and dictates that a customer must have a medical condition or disease that they are seeking to treat or manage with Muse. Customers must have documentation that confirms their eligibility, also called a Letter of Medical Necessity. Not to worry, Muse has partnered with Flex to make this a quick and easy process for customers.
How do I use my HSA/FSA to pay for Muse?
At checkout, select Flex | Pay with HSA/FSA as your payment option. You will be prompted to complete a brief tele-health consult to confirm your eligibility to pay with HSA/FSA. From there, enter your HSA or FSA debit card details and complete your checkout as usual. If you don’t have your HSA or FSA debit card handy, you can also complete the checkout with a regular credit or debit card.
Within 24 hours of your purchase, Flex will email you both a Letter of Medical Necessity as well as an itemized receipt. Keep these documents for your records should your HSA/FSA provider or the IRS require additional documentation.That’s it! For more information reach out to our team via our website chat on the bottom left.
How do I pay with my HSA or FSA card?
To use your HSA or FSA debit card, select “Pay with HSA/FSA” as your payment option, enter your HSA or FSA debit card, and complete your checkout. If you don’t see “Pay with HSA/FSA,” contact us.
What if I don’t have my HSA/FSA card available?
If you don’t have your HSA or FSA card handy, still select “Pay with HSA/FSA” as your payment method. Enter your credit card information and flex (our HSA/FSA partner) will email you an itemized receipt to submit for reimbursement.
Why is my HSA/FSA card being declined?
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.
I submitted my Flex itemized receipt for reimbursement and my FSA requires more information.
Please forward us the request from your FSA, and we will work to issue you a new receipt.
I didn’t receive an email with my itemized receipt and/or letter of medical necessity. What should I do?
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.
I would like to use multiple HSA/FSA cards to pay for an item. Can I do that?
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 checkout page. You will receive an itemized receipt and/or Letter of Medical Necessity from Flex, which you can submit for reimbursement.
Is sales tax covered by HSA/FSA funds, or is it treated separately?
Sales tax for eligible items is also covered by HSA/FSA funds.
What is a Letter of Medical Necessity?
A letter is essentially a note from a doctor stating that you are purchasing an item to treat or manage a medical condition.
Do I need to do anything with my Letter of Medical Necessity?
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.
My HSA/FSA Claim was denied. What should I do?
We strongly recommend checking with your HSA/FSA provider to see if a purchase is eligible prior to completing the purchase. However, if you believe your claim has been wrongly denied, please send over any response from your HSA/FSA provider to us so we can give you guidance on the next best steps to take. Please note that employer-sponsored FSAs can determine what products are eligible beyond the IRS’s guidelines, so it’s extremely important to check prior to purchase.
Can I purchase a product now and apply for FSA reimbursement in the next calendar year?
The ability to apply for FSA reimbursement in a future calendar year depends on the policy of the specific FSA provider. Most FSA administrators require that the purchase be made during the time of coverage. For example, if the FSA coverage is for 2025, all purchases typically need to be made and/or submitted for reimbursement within that coverage period.However, some administrators may have more flexible rules regarding the timing of when the expense occurred. We recommend that customers review their plan policy to confirm the details.
Health Savings Accounts (HSAs) are different and generally allow for reimbursement at any time, even in future years.
