The Kove Journal

Can You Use HSA or FSA for a Sauna or Cold Plunge?

Saunas and cold plunges frequently qualify for pre-tax HSA and FSA dollars with a Letter of Medical Necessity. How the checkout works, what counts as the purchase, what the saving is worth, and the...

FSA Deadline Guide: Use Your Balance Before It Expires

FSA money is use it or lose it, and most plans forfeit whatever remains on December 31. How the deadline works, how to check yours, and how to spend a balance well.

What Is a Letter of Medical Necessity, and How Do You Get One?

The one-page document that makes wellness purchases HSA and FSA eligible: what it says, who can issue it, how checkout handles it, and what to keep for your plan.