Buy a Mattress with HSA or FSA Funds
Use your Health Savings Account or Flexible Spending Account to buy a mattress, adjustable base, or sleep accessories and save an average of 30 percent using pre tax dollars at Yawnder.
Pay for a Mattress Using Your HSA with Flex
You can use your HSA or FSA to pay for a mattress at Yawnder through our partner Flex. When medically eligible, Flex lets you check out using pre tax funds instead of a traditional credit card.
During checkout, Flex works with a licensed medical provider to review your information. If approved, you receive a Letter of Medical Necessity, allowing your mattress or adjustable base purchase to qualify as a medical expense under IRS guidelines.
To learn more about how HSA and FSA eligibility works at Yawnder, visit yawnder.com/hsa-fsa-eligible.
View HSA and FSA Eligible ProductsCan You Use HSA or FSA Funds for a Mattress
A mattress can qualify as a reimbursable HSA or FSA expense when it is considered a medical necessity. IRS Publication 502 describes medical expenses as costs that treat, mitigate, or prevent a diagnosed condition, and eligibility typically requires proper documentation.
Yawnder partners with Flex and Truemed to make HSA and FSA mattress purchases simple. During checkout, a licensed medical provider reviews your information and determines eligibility. If approved, you receive a Letter of Medical Necessity for your records.
Select any mattress, adjustable base, or sleep accessory.
Choose Flex as your payment method online or in store.
Answer a short health survey reviewed by a licensed provider.
Medical Conditions That Often Qualify
You do not need a doctor’s note ahead of time. Eligibility is determined during checkout based on your responses and medical review. Conditions that frequently qualify for an HSA or FSA mattress purchase include:
- Chronic back or neck pain requiring improved spinal alignment or pressure relief.
- Insomnia where temperature regulation or pressure reduction supports better sleep.
- Sleep apnea or chronic snoring requiring torso elevation with an adjustable base.
- Acid reflux or GERD requiring head elevation during sleep.
- Arthritis fibromyalgia or joint pain requiring enhanced pressure distribution.
Approval depends on individual circumstances and medical review. Not every purchase is guaranteed to qualify.
What You Should Keep for Your Records
If your purchase is approved, you will receive a Letter of Medical Necessity. Keep this document along with your Yawnder receipt for your records. These documents help show that your mattress or adjustable base was purchased to address a medical condition rather than as a general lifestyle item.
Yawnder supports HSA and FSA payments both online and in our San Diego showroom through the Flex and Truemed network.
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