Financing & HSA/FSA

Last updated August 2026.

Most wellness devices are not automatically HSA or FSA eligible, and none are ruled out by category either. Eligibility is decided per purchase, based on whether the device addresses a specific health need for you, and documented in a Letter of Medical Necessity. Kove handles that at checkout through Truemed, in about two minutes.

Longevity technology is an investment in years of use. A device that lasts a decade should not have to be a single hard hit to your budget, so this page covers both ways to soften it: paying over time, and paying with pre-tax health dollars.

Which items are HSA and FSA eligible?

Two categories exist. The first is items that are eligible outright, like bandages, thermometers, and prescription costs. The second, and the one that covers almost everything on this site, is items that become eligible when a licensed provider documents that they address a specific health need for you. Home health and recovery devices sit in that second group.

In practice that means red light therapy devices, PEMF mats, infrared saunas and heating mats, cold plunge equipment, compression therapy, air purification, and biological age testing can all qualify. What decides it is your situation, not the product label. You can see everything that has qualified for our customers in the HSA/FSA eligible collection, which currently holds 85 products.

How is eligibility decided?

Eligibility does not follow a product category. What matters is whether the purchase helps treat, mitigate, or prevent a specific health condition for you, and whether an independent licensed practitioner documents that connection in a Letter of Medical Necessity. That is exactly what the short health survey at checkout is for. Your plan administrator always has the final say.

How it works at Kove

1. Shop as usual and choose Truemed as your payment option at checkout.
2. Complete a short health survey. It takes about two minutes.
3. An independent licensed provider reviews your answers. If your purchase is appropriate for your health needs, they issue a Letter of Medical Necessity.
4. Pay directly with your HSA or FSA card, or pay with a regular card and submit for reimbursement through your plan.

Browse all HSA/FSA eligible devices.

What is a Letter of Medical Necessity?

It is a short note from a licensed provider confirming that a product supports a specific health need. The IRS requires one for most wellness purchases made with HSA or FSA funds. It names the item, the health need it addresses, and the provider issuing it. Truemed arranges it as part of checkout, so you do not need your own appointment or a separate visit.

Keep the letter with your receipt. If your plan asks for documentation later, that pair is what they want to see.

What is the difference between an HSA and an FSA?

	HSA	FSA
Who can have one	Anyone on a qualifying high deductible health plan	Offered through an employer
Do funds expire	No, they roll over and stay yours	Usually yes, at the plan year end or a short grace period after
Portability	Stays with you when you change jobs	Tied to the employer
Typical deadline pressure	None	High in November and December

The practical difference for buyers: FSA money is use it or lose it, so a device purchase late in the plan year is often better value than letting the balance expire.

How much does using pre-tax dollars save?

The saving is 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. On a $1,000 device that is roughly $300 that stays with you. Your exact rate and plan rules decide the real number, and Kove does not give tax advice.

Pay over time

At checkout you can split your purchase into payments with Shop Pay Installments. Smaller orders can be paid in four, interest free, and larger purchases can be spread over monthly payments. You will see the exact terms and amounts before you commit, and checking your options will not affect your credit score.

Common questions

Is red light therapy HSA or FSA eligible?

It can be. Red light devices are among the most common qualifying purchases when a provider documents a specific health need, and the whole red light range is included in our eligible collection. Our red light therapy guide covers what the devices do and how to choose one.

Can I use HSA or FSA for a sauna or a cold plunge?

Both can qualify with a Letter of Medical Necessity. Larger purchases are exactly where the pre-tax difference is worth the two minutes at checkout.

Do I need to see my own doctor?

No. Truemed connects you with an independent licensed provider who reviews your health survey. You do not need an appointment or a separate visit.

What if I already paid with a regular card?

If your purchase qualifies, you can submit your Letter of Medical Necessity and receipt to your plan administrator for reimbursement.

What if my plan has its own rules?

Plans differ, and your plan administrator always has the final say. If you are unsure, confirm with your administrator before you buy.

Is there a spending deadline?

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 do not expire. If you are looking at an FSA balance in November or December, that is the window where a device purchase makes the most sense.

Is this medical or tax advice?

No. Kove does not provide medical or tax advice. See our Medical Disclaimer for details.

Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures.

Price transparency

We show savings in real dollars, never inflated percentages off a made-up list price. The number you see is the number you pay, with free US shipping included, and our Price Beat guarantee covers you if you find it cheaper. No games.