A bad mattress can have serious health implications beyond the constant tossing and turning at night. It can be done cause severe pain and can quickly worsen existing health conditions. That’s why the IRS allows you to use your pre-tax dollars in your health savings account (HSA) or flexible spending account (FSA) to health-forward items, such as a smart ring or bed. An HSA or FSA can be a great way to pay for that new mattress you need, but it doesn’t work for everyone. First, you must be qualified.

Every mattress manufacturer has a different process. For example, with Sleep NumberYou first purchase your mattress and then complete a survey for qualification. With avocado, you fill out your survey first and then see. If you’re thinking about buying a new bed, here’s how to buy your next bed with HSA or FSA funds.

Can I use my FSA or HSA for a mattress?

Mattresses are generally not covered in HSA and FSA fundsbut there are exceptions. According to HSA Store“The cost of the mattress is only worth it if its components and construction costs exceed a standard mattress for overall health.” To use your funds for a new mattress, you must provide a letter of medical necessity (LMN) from a medical professional who says you have a medical need for a new HSA- or FSA-eligible mattress.

Common symptoms of LMN include but are not limited to the following:

Mattress eligibility includes beds for adults and children. For 2024, the annual contribution before tax for a health savings account capped at $4,150 each or $8,300 per family, with an additional $1,000 allocation for those 55 and older. You have a full year to use these funds, but any unused funds are forfeited after December 31 of each year. After you submit your claim and LMN, it usually only takes a few days to receive approval of the expense.

Mattress brands that may be FSA- or HSA-eligible

These are some of the most popular mattress brands that may be FSA- or HSA-eligible and their processes for buy a new mattress.

Sleep Number

Sleep Number is one of the most popular manufacturers of mattresses and has an established process for purchasing new FSA- and HSA-eligible mattresses. the line of smart beds including c2, p5 and i8 smart beds.

It’s easy buy a new Sleep Number bedwith only three steps required.

1. Buy your mattress:Once you’ve chosen the mattress you want to buy, complete the purchase as you normally would.
2. Complete the Truemed ​​survey: Your receipt or order confirmation will contain a link to a quick reimbursement survey from Sleep Number’s health advocacy partner, BELIEVE. The results will be automatically submitted to a licensed provider so you can access a free assessment.
3. Submit the paperwork:If you are approved, an LMN will be emailed within days. This will include instructions on how to submit your reimbursement claim to your HSA or FSA provider.

Nectar

Nectar is a popular mattress manufacturer, with popular models like Nectar Luxe and Nectar Premier Hybrid.

Nectar uses a simple processlike its competitors, to use HSA or FSA funds toward the purchase of a new mattress.

1. Go to checkout: Add your chosen mattress to your cart, and under Payment Method, select “Pay with HSA/FSA.”
2. Complete the questionnaire: Nectar requires you to complete a quick survey about your health to confirm eligibility.
3. Submit your claim: Use your HSA or FSA funds directly to pay for your mattress, or you can use a personal payment method to submit a claim later to your HSA or FSA administrator.

Avocado

With Avocadoyou have a wide selection of FSA- and HSA-eligible mattresses available for adults and children. All mattresses are eligible and have an exclusive HSA/FSA callout with a green check icon where the “Buy Now” box is located.

Avocado also requires three stepsbut they are slightly different in the Sleep Number.

1. Check your eligibility: Complete a quick survey from Sika to determine eligibility.
2. Buy your mattress: Buy your mattress of choice with Sika to checkout using your HSA or FSA funds.
3. Submit your claim: Instructions for submitting your reimbursement claim are on your Sika receipt. Your medical necessity letter will follow if you are approved.

DreamCloud

DreamCloud ALSO requires three steps to receive payment for your new bed.

1. Checkout: Add your DreamCloud mattress to your cart and select “Pay with HSA/FSA” as your payment method.
2. Complete the survey:DreamCloud will send you an eligibility survey to complete to determine if you can use your HSA or FSA funds for a new mattress.
3. Pay for your mattress: You can use your HSA or FSA card like a normal credit card to make payments. You can also use a personal payment form and submit a claim through your HSA or FSA administrator.

Ghostbed

With Ghostbedyou have mattress options such as the Ghostbed Oasis or the Ghostbed Luxe. Ghostbed offers a straightforward process working with Truemed.

1. Go to checkout:Add your choice of Ghostbed mattress to your cart, and select “Pay with HSA/FSA funds” at checkout.
2. Complete the Truemed ​​survey:After you purchase your mattress, you will be redirected to the Truemed ​​website, where you will need to complete a quick health care survey.
3. Finish checkout: After the survey, you can complete the checkout directly through Truemed. If you want to pay using a personal payment method, you must file a claim afterwards for payment.

Bottom line

If your sleep is sabotaged by your mattressyou can receive pre-tax dollars to put towards the new one. However, mattresses are generally excluded from HSA/FSA funds unless a medical professional deems them medically necessary. Keep in mind that approval can be challenging, so you may not receive funding for a new bed.

If budget is a concern, consider a cheaper mattress such as Brooklyn Bedding Signature Hybrid, which is a cost-effective choice with great value. Our guide to best mattresses of 2024 can help you find the right mattress for your needs at a price you can afford.