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.

For more information, see Flex’s Comprehensive Guide to HSA/FSAs.

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.

If you don't see “Flex | Pay with HSA/FSA,” you may be logged into Shop Pay. You must be logged out of Shop Pay to see the Flex option as a payment method.

One of the easiest ways to bypass Shop Pay is to go through checkout in an incognito or private browsing window. Alternatively, you can select “checkout as guest” to view more payment options, which will then allow you to select "Flex | Pay with HSA/FSA".

Yes! If you don't have your HSA or FSA card handy, still select “Flex | Pay with HSA/FSA” as your payment method. Enter your regular credit card information and log in to the consumer portal at app.withflex.com using the same email you used at checkout. There, you can download an itemized receipt to submit to your provider for reimbursement.

Some products require documentation from a licensed healthcare provider stating that the item is necessary to treat or manage a specific medical condition. If your purchase requires a Letter of Medical Necessity (LOMN), Flex facilitates a chat-based telehealth consultation that is reviewed by a licensed provider, and typically the Letter is provided within 2 hours.

Kineon has partnered with Flex to allow you to easily use your Health Savings Account (HSA) or Flexible Spending Account (FSA). Flex provides the payment gateway at checkout and facilitates any necessary telehealth consultations to ensure your purchase is compliant with IRS guidelines for HSA/FSA spending.

If you have questions regarding your receipts, Letters of Medical Necessity, or the Flex platform, please email [email protected] and let them know the email address associated with your order. If you have questions about your specific account balance or eligible coverage, please reach out to your HSA/FSA administrator directly.