Use your HSA or FSA at Kove and save an average of 30%
Kove accepts HSA and FSA payments on eligible devices through Truemed. Answer a few health questions at checkout, about two minutes, and qualified customers pay with pre-tax dollars. Available to US customers.
Checking out with HSA/FSA is easy
Three steps, all inside checkout.
1
Choose Truemed at checkout
Add what you want to your cart, then pick Truemed in the payment options.
2
Answer a short health survey
About two minutes. An independent licensed provider reviews your answers and, where appropriate, issues a Letter of Medical Necessity.
3
Pay and keep the letter
Pay with your HSA or FSA card, or pay by regular card and submit the letter with your receipt to your plan for reimbursement.
How does paying with HSA/FSA save me money?
HSA and FSA accounts hold money that was set aside before tax, so it goes further than the same amount from your paycheck.
The saving is your own marginal tax rate. Someone in a 30 percent combined bracket effectively pays about 70 cents on the dollar, so a $1,000 device leaves roughly $300 in their pocket. Your exact rate and plan rules decide the real number.
Spending from a bank account
Spending from an HSA or FSA
*Kove does not give tax or medical advice.
HSA/FSA eligible devices
A few of the devices Kove customers most often put pre-tax dollars toward.
Frequently Asked Questions
Is Kove HSA/FSA eligible?
Yes, for qualified customers. Most of our products can be paid for with HSA or FSA funds when a licensed provider documents that the purchase addresses a specific health need for you. That review happens during checkout through Truemed.
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. Truemed arranges it as part of checkout, so you do not need your own appointment. Keep it with your receipt in case your plan asks for documentation later.
Do I need to see my own doctor first?
No. Truemed connects you with an independent licensed provider who reviews your health survey. There is no appointment and no separate visit.
What if I already paid with a regular card?
You can still qualify. Submit your Letter of Medical Necessity and receipt to your plan administrator for reimbursement.
What is the difference between an HSA and an FSA?
An HSA goes with a qualifying high deductible health plan, the money rolls over, and it stays yours when you change jobs. An FSA comes through an employer and usually has to be spent by the end of the plan year, with some plans allowing a short grace period or a small carryover. That deadline is why FSA balances are worth spending before they expire.
Is there a spending deadline?
FSA funds usually expire at the end of the plan year, often December 31. HSA funds do not expire. If you are looking at an FSA balance in the last months of the year, that is the window where a purchase makes the most sense.
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. Kove does not provide medical or tax advice, and our Medical Disclaimer covers the details.
Powered by Truemed
Truemed works with licensed providers to determine whether a purchase qualifies as a medical expense, so HSA and FSA money can go toward root cause health rather than only toward treating sickness. They handle the survey, the review, and the paperwork. Learn more about Truemed.
*Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures.
