Shop our HSA/FSA eligible products
BioSpectral has 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 any BioSpectral product that applies with pre-tax dollars, resulting in up to 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 BioSpectral products. Customers must have documentation that confirms their eligibility, also called a Letter of Medical Necessity. Not to worry, BioSpectral has partnered with Flex to make this a quick and easy process for customers.
How do I use my HSA/FSA to pay for BioSpectral products?
At checkout, select Flex | Pay with HSA/FSA as your payment option. You will be prompted to complete a brief telehealth 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.
How it Works
Add products to your cart
Select Flex at Checkout
Confirm eligibility
Enter your HSA / FSA 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, check out our FAQ below or reach out to support@biospectralsystems.com
FAQs
What is Flex and what is their relationship with BioSpectral?
BioSpectral 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 BioSpectral glasses with pre-tax dollars, resulting in net savings of 30-40%, depending on your tax bracket.
What is a Letter of Medical Necessity?
Some products require documentation from a licensed healthcare provider stating that the item is necessary to treat or manage a specific medical condition. If the product requires a Letter of Medical Necessity (LOMN), Flex facilitates a chat-based consultation that generates the Letter in real time.
What is an FSA or HSA and what are the benefits?
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.
How do I pay with my HSA or FSA card?
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.
What if I don't have my HSA/FSA card available?
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.
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