A Health Savings Account (HSA) or Flexible Spending Account (FSA) is a tax-advantaged account funded with pre-tax dollars that can be used for qualified medical expenses. HSAs are usually paired with high-deductible health plans and may roll over year to year. FSAs are often offered through an employer and may have annual deadlines.

A Letter of Medical Necessity (LMN) is commonly valid for 12 months from the date it is issued. During that time, you may be able to use it for eligible products on future purchases without needing a new letter for every order. Plan rules can vary, so keep the letter and confirm requirements with your HSA/FSA administrator.

At checkout, choose the HSA/FSA payment option when available. If a product needs a Letter of Medical Necessity to qualify, you may be asked to complete a short health survey. A licensed practitioner may review it and, if you qualify, issue an LMN documenting the medical need. You can then pay with your HSA/FSA card or submit documentation to your plan for reimbursement.

HSA and FSA accounts are funded with pre-tax dollars. Using those funds for an eligible purchase may reduce the effective out-of-pocket cost because you are using money set aside before certain taxes are taken out. Exact savings depend on your tax situation and plan rules.

You may still be able to pay with a regular credit or debit card and reimburse yourself from your HSA/FSA account. Keep your Orthotic Shop receipt and your Letter of Medical Necessity if one was issued, then submit them to your plan administrator for review.

If your HSA/FSA balance does not cover the full order, you may be able to split the payment by applying available HSA/FSA funds and paying the remaining balance with another card. Availability of split payments can depend on the checkout and your plan administrator.

It depends on the product and your plan. Recurring purchases may qualify when they are tied to a qualified medical purpose, which often requires a Letter of Medical Necessity. If Orthotic Shop offers a recurring eligible purchase, confirm the rules with your HSA/FSA administrator before relying on reimbursement.

Often, yes. After you receive a Letter of Medical Necessity, you may be able to submit a prior purchase for reimbursement if it falls within your plan’s eligible time window. Reimbursement rules vary by plan, so confirm timing and documentation requirements with your administrator.

Yes. If you already have an LMN from your physician or another licensed healthcare provider, you may be able to use it instead of a survey-based qualification. Keep the LMN with your receipt and other documentation for reimbursement.

Paying with HSA/FSA funds does not change Orthotic Shop’s standard return policy. If you return an item, the refund is generally issued back to the original HSA/FSA card or payment method used at checkout, subject to payment processor and plan rules.