I had a bunch of questions before ordering and they were very patient with me. Ended up getting exactly what I needed and the price was good too.
Buy Your Sauna & Sauna Heater With HSA/FSA Funds
Save up to 30% on qualifying sauna and sauna heater purchases by using your pre-tax HSA or FSA funds through Truemed.
- Use pre-tax HSA/FSA dollars to maximize savings
- Quick and easy eligibility assessment
- Support for obtaining a Letter of Medical Necessity
- Valid for eligible infrared and traditional saunas
In partnership withtruemed
Can You Buy a Sauna With HSA/FSA?
Are Saunas HSA/FSA Eligible?
Short answer - yes. You may be eligible to use HSA or FSA funds toward a sauna purchase if you obtain a Letter of Medical Necessity (LMN) from a licensed healthcare provider. Once approved, eligible purchases can be made using pre-tax HSA/FSA dollars, helping you save on the cost of your sauna.
A sauna purchase may be eligible for HSA or FSA spending when it is supported by a Letter of Medical Necessity (LMN) from a qualified healthcare professional. While saunas are not typically considered eligible expenses by default, an LMN can help establish that the sauna is being used for a qualifying medical purpose, making it eligible for reimbursement or direct payment through your HSA/FSA account.
Once approved, you can use pre-tax HSA/FSA dollars toward eligible sauna purchases, which may result in significant savings. Depending on your account balance and provider, you may either pay directly with your HSA/FSA card or purchase the sauna and submit your documentation for reimbursement.
We have partnered with Truemed to help you obtain a Letter of Medical Necessity, making it possible to use your HSA/FSA funds toward eligible sauna purchases. Since HSAs and FSAs are designed to help cover products and services that support the treatment or prevention of certain health conditions, Truemed helps simplify the process so that you can take advantage of your pre-tax healthcare dollars.
Step 1 - Check Out
Find the Truemed logo at checkout and start the process.
Step 2 - Complete Health Assessment
Take a quick, private health survey via Truemed. An independent licensed provider will review your information to decide if an LMN is appropriate.
Step 3 - Make Your Purchase
If an LMN is issued, you can pay with your HSA/FSA card or a regular card and seek reimbursement later, subject to your plan's rules.
What Are HSA & FSA Accounts?
What Is a Health Savings Account (HSA)?
A Health Savings Account (HSA) allows people with a qualifying high-deductible health plan (HDHP) to save and spend pre-tax dollars on eligible medical costs. Funds contributed to an HSA can be used for eligible healthcare expenses, and unused balances can roll over from year to year.
What Is a Flexible Spending Account (FSA)?
A Flexible Spending Account (FSA) is an employer-provided benefit that lets you use pre-tax dollars for eligible healthcare expenses. Most FSA plans have annual deadlines, so unused funds may not carry over from one plan year to the next.
How Does Truemed Work?
Purchasing with HSA/FSA funds is easy. Follow these steps when your card balance is sufficient for the full order amount.
Your HSA/FSA Card Covers the Full Purchase Amount
- Add your desired sauna to the cart and continue to checkout.
- Choose Truemed – Pay with HSA/FSA as your payment method.
- Follow the prompts and enter your HSA/FSA card information.
- Complete the brief eligibility assessment.
- Finalize your order and enjoy your purchase.
Eligible Sauna and Sauna Heater Collections
Popular HSA/FSA Eligible Sauna and Sauna Heater Categories
Explore our selection of sauna and heater categories that may qualify for HSA/FSA spending when supported by a Letter of Medical Necessity.
Indoor Infrared Saunas
Indoor infrared saunas use infrared heaters to warm the body directly, providing a comfortable sauna experience inside your home.
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Barrel Saunas
Barrel saunas bring the outdoor sauna experience home, with a curved design that circulates heat efficiently for authentic sessions.
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Traditional Saunas
Traditional saunas generate heat using a sauna heater and stones, creating the classic high-temperature sauna experience.
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Sauna Heaters
Electric and wood-burning sauna heaters from leading brands, the heat source that powers your traditional sauna sessions.
Shop NowFrequently Asked Questions
Are saunas eligible for HSA or FSA funds?
A sauna purchase may qualify for HSA or FSA spending if it is supported by a Letter of Medical Necessity (LMN) from a licensed healthcare provider. Eligibility is determined through the Truemed assessment process.
Are infrared saunas HSA/FSA eligible?
Eligible infrared saunas may qualify for HSA/FSA spending when approved through a Letter of Medical Necessity. Qualification depends on your individual health assessment.
What is Truemed and how does it work?
Truemed helps eligible customers use HSA/FSA funds for qualifying wellness purchases. It connects you with a licensed healthcare provider who reviews your health assessment and, if appropriate, issues a Letter of Medical Necessity.
How do HSA and FSA accounts work?
HSA and FSA accounts help you pay for eligible medical expenses with pre-tax dollars. As a result, you may spend less on qualifying healthcare purchases.
How much can I save by using HSA/FSA funds?
Using HSA/FSA funds may help you save up to 30% on eligible purchases. Your actual savings depend on your tax bracket and individual circumstances.
What is a Letter of Medical Necessity (LMN)?
A Letter of Medical Necessity (LMN) is written by a licensed healthcare provider to confirm that a product is needed as part of your medical care. This documentation can help make certain purchases eligible for HSA/FSA funds.
Who determines whether I qualify for a Letter of Medical Necessity?
A licensed healthcare provider reviews your health assessment to determine eligibility. If you qualify, they will issue a Letter of Medical Necessity.
How long does the Truemed approval process take?
Most eligibility decisions are provided within one to two business days after you complete the health assessment. The approval timeline may vary for each application.
Can I pay directly with my HSA/FSA card?
Yes, if your HSA/FSA account has sufficient funds and your provider allows direct payment. Otherwise, you can pay with another method and request reimbursement if eligible.
What if I don't have enough money in my HSA/FSA account?
You can still complete your purchase using another payment method. If approved, you may submit your purchase for reimbursement up to your available HSA/FSA balance.
What can I purchase with my HSA or FSA funds?
HSA/FSA funds can be used for eligible healthcare expenses and certain qualifying wellness products. Eligibility depends on your account rules and whether a Letter of Medical Necessity is required.
Can I use HSA/FSA funds for sauna accessories or other wellness products?
Some sauna accessories and wellness products may qualify if they are covered by your approved Letter of Medical Necessity. Eligibility varies by product.
What happens if my eligibility request is not approved?
If your eligibility request isn't approved, you can still complete your sauna purchase using a regular payment method. You simply won't be able to use HSA/FSA funds for that purchase.
Is Truemed legitimate and compliant with IRS guidelines?
Yes. Truemed works with licensed healthcare providers and follows IRS guidance for determining HSA/FSA eligibility. The final eligibility decision is based on your individual assessment.
Can I still use Truemed if I don't currently have an HSA or FSA account?
You don't need an HSA or FSA account to complete the Truemed assessment. However, you'll need an active HSA or FSA account if you want to use those funds for your purchase.
How long does HSA/FSA reimbursement typically take?
Reimbursement timelines vary by HSA/FSA administrator. Many providers process eligible claims within a few business days after receiving the required documentation.
Can I submit my purchase for reimbursement after checkout?
Yes. If you qualify, you can submit your receipt and Letter of Medical Necessity to your HSA/FSA provider after completing your purchase. Be sure to follow your provider's reimbursement instructions.
Can I use HSA/FSA funds for outdoor saunas?
Eligible outdoor saunas may qualify when supported by a Letter of Medical Necessity. Approval is based on your individual eligibility.
Can I use HSA/FSA funds for traditional saunas?
Traditional saunas may also be eligible for HSA/FSA spending if you receive an approved Letter of Medical Necessity. Eligibility is determined through the Truemed process.
Is my health information kept private during the eligibility review process?
Yes. Your health information is securely handled and reviewed only by licensed healthcare professionals. Truemed follows privacy and security practices to protect your personal information.
Are saunas FSA eligible?
An FSA sauna purchase may be eligible if it is supported by a Letter of Medical Necessity (LMN) from a licensed healthcare provider. Once approved, you may be able to use your FSA funds toward a qualifying sauna purchase.
Are saunas HSA eligible?
A sauna HSA eligible purchase may qualify when it is supported by a Letter of Medical Necessity (LMN) from a licensed healthcare provider. If approved, you can use your HSA funds toward a qualifying sauna purchase.
Are infrared saunas FSA eligible?
Yes. An FSA infrared sauna purchase may be eligible when supported by a Letter of Medical Necessity (LMN) from a licensed healthcare provider. If approved, you may be able to use your FSA funds toward a qualifying infrared sauna.
What are FSA/HSA eligible products?
FSA/HSA eligible products are items that qualify for purchase using HSA or FSA funds. Some wellness products, including qualifying saunas, may become eligible when supported by a Letter of Medical Necessity (LMN) from a licensed healthcare provider.
What can you buy with FSA?
You can use your FSA to purchase FSA eligible items, including qualified medical expenses and certain wellness products that meet eligibility requirements. Some products may require a Letter of Medical Necessity (LMN).
What are FSA eligible items?
FSA eligible items include products and services that qualify for purchase with Flexible Spending Account funds. Eligibility depends on IRS guidelines and, for some products, a Letter of Medical Necessity.
What can you buy with a Health Savings Account?
A Health Savings Account can be used to pay for eligible healthcare expenses and qualifying wellness products. Certain purchases, such as eligible saunas, may require a Letter of Medical Necessity (LMN).