HSA/FSA Eligible

Eligibility is decided for each order by a licensed healthcare provider, not by us. Through our partnership with Truemed, you complete a short health survey at checkout and an independent licensed provider reviews it. If the purchase is appropriate for your health needs, they issue the Letter of Medical Necessity the IRS requires.

Choose Truemed at checkout and complete the survey, which takes about two minutes. Then pay directly with your HSA or FSA card, or pay with a regular card and submit the Letter of Medical Necessity and your receipt to your plan administrator for reimbursement.

The saving equals your marginal tax rate, because the money was set aside before tax. Someone in a 30 percent combined bracket effectively pays about 70 cents on the dollar, roughly $300 kept on a $1,000 device. Exact rates and plan rules vary, and Kove does not give tax advice.

It can be, and red light devices are among the most common qualifying purchases. The same goes for PEMF, sauna, cold plunge, air purification, and biological age testing: the decision follows your health needs, not the product category.

FSA funds usually expire at the end of the plan year, with some plans allowing a short grace period or a small carryover. HSA funds never expire. An FSA balance in November or December is the classic moment a device purchase makes sense.

No. The products in this collection are the ones that commonly qualify, but eligibility depends on your individual health needs, your plan, and current IRS rules, and your plan administrator always has the final say. Kove does not provide medical or tax advice.

Anything outside this collection, including gift cards. If a product you want is not here and you think it should be, email us and we will look into it. Full detail is on our Financing & HSA/FSA page. *Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures.