HSA FSA
HSA & FSA Eligible
Your mattress could be a medical expense
Use pre-tax HSA or FSA dollars on a sleep system clinically matched to your conditions. Powered by Flex. Eligibility determined at checkout in about 2 minutes.
Spinal Rest partners with Flex to process HSA & FSA payments
No doctor visit required before purchase
Eligibility determined at checkout in 2 minutes
The savings
Pre-tax dollars go further
HSA and FSA funds are spent before taxes are applied. For most buyers that means saving 22 to 37 percent on a clinically matched sleep system.
On a $1,500–$3,000 mattress, pre-tax savings typically equal $330 to over $1,100 depending on your bracket. Not a coupon. Not a sale. Just spending money you have already set aside before taxes.
How it works
Four steps. No doctor visit needed.
Flex handles the Letter of Medical Necessity through a brief health consultation at checkout. The entire process takes about 2 minutes.
Take the quiz first
Our free sleep health quiz matches you to mattresses based on your specific conditions and health profile. About 5 minutes.
spinalrest.com/sleep-education-libraryAdd to cart and check out
Select your matched sleep system and proceed to checkout. If you see Shop Pay, choose “checkout as guest” to see all payment options.
Select Flex at checkout
Choose “Flex | Pay with HSA/FSA.” Complete the 2-minute health consultation. A licensed provider reviews your responses.
Receive your LMN and pay
If approved, your Letter of Medical Necessity arrives within about 2 hours. Pay with your HSA or FSA card or submit the LMN for reimbursement.
What is a Letter of Medical Necessity?
A Letter of Medical Necessity (LMN) is a document from a licensed healthcare provider stating that a product is medically required to treat or manage a specific condition. The IRS requires this documentation for dual-use items like mattresses to qualify as eligible HSA or FSA expenses.
Flex facilitates this through a telehealth consultation at checkout. You do not need a separate doctor appointment or a note from your chiropractor in advance. The process completes entirely during checkout and typically takes about 2 minutes. Your LMN is accessible at any time at withflex.com/portal.
Keep your LMN and your Spinal Rest receipt together for at least 3 years. Your FSA administrator may request the LMN to confirm eligibility.
Not ready to order online? Come try it first.
If you are considering using HSA or FSA funds, you want to be confident in your purchase. Our Sandy, Utah showroom gives you the chance to experience your matched mattress in person before you spend a dollar. Book a free 30-minute appointment with a certified sleep consultant.
Eligible products
What qualifies at Spinal Rest
All Spinal Rest sleep systems are eligible for HSA and FSA purchase through the Flex LMN pathway when you have a qualifying medical condition.
Mattresses
All Spinal Rest mattresses—including the Rejuvenate, Midnight, Twilight, Aurora, and Legacy collections—qualify when purchased to address a documented spinal or sleep condition. Chronic back pain, disc conditions, sciatica, and fibromyalgia are the most common qualifying conditions.
Adjustable Bases
All adjustable base models qualify when used to manage acid reflux, sleep apnea, snoring, disc conditions, post-surgical recovery, or other conditions where positional elevation is clinically indicated. Zero-gravity positioning for spinal decompression is a well-documented qualifying rationale.
Pillows
Spinal Rest pillows qualify when purchased to address a documented cervical or neck condition. If your chiropractor has recommended changes to your sleep surface as part of managing cervical disc conditions or neck pain, a supporting LMN is available through Flex at checkout.
Referred by your chiropractor?
Patients arriving through a chiropractic referral are typically already managing a condition that supports LMN eligibility. The condition your chiropractor is treating you for is almost certainly the qualifying condition you will reference in the Flex health consultation at checkout. Take our free quiz first to get a matched recommendation, then use your pre-tax dollars.
Qualifying conditions
Common conditions that qualify
This is not an exhaustive list. Eligibility is determined by a licensed provider during the Flex checkout consultation based on your specific health information.
Common questions
HSA and FSA questions
Ready to use your HSA or FSA?
Start with our free sleep health quiz to find the system clinically matched to your conditions. Then use your pre-tax dollars at checkout through Flex.
HSA/FSA eligibility is determined by a licensed provider during checkout through Flex. Tax savings vary by individual tax bracket. This page does not constitute tax or medical advice. Consult your HSA/FSA administrator and tax advisor for guidance specific to your situation. Flex cannot provide Letters of Medical Necessity to customers in Louisiana, New Mexico, or Mississippi due to state telehealth laws.
