Can you put mattress on HSA card?
Asked by: Mr. Sigmund Koss | Last update: January 13, 2026Score: 4.8/5 (11 votes)
What can you not use your HSA card for?
Generally, you can't use your HSA to pay for expenses that don't meaningfully promote the proper function of the body or prevent or treat illness or disease.
Can I use my HSA for a sleep number bed?
By spending from an HSA or FSA, money that would be paid in taxes can be used for qualified health and wellness purchases like the Sleep Number® smart bed. You pay taxes on income and then spend it on health items. You're using pre-tax money, so you're getting more purchasing power for your dollars.
Will health insurance pay for a mattress?
Your doctor must provide a prescription confirming that the mattress is medically necessary for your condition, treatment, and recovery. The bed must be classified as durable medical equipment (DME) to be eligible for coverage.
How do I know if an item is HSA eligible?
FSA I HSA Eligibility
Eligible items will display an “FSA or HSA eligible” badge on the search results page or the product detail page. You can also filter search results for only FSA/HSA eligible items by selecting the “FSA or HSA eligible” from the filter options.
5 Things You Can Buy With Your HSA
Can you buy a mattress with HSA?
According to the HSA Store, "A mattress expense is only eligible when its components and construction costs exceed those of a standard mattress for general health." To use your funds for a new mattress, you'll need to provide a letter of medical necessity (LMN) from a medical professional stating you have a medical ...
Can I pay for my gym membership with my HSA?
Generally, the IRS doesn't allow pretax dollars in HSAs or FSAs for gym memberships. This is because they see them as expenses for general well-being rather than medical necessity. However, with a Letter of Medical Necessity (LMN), your HSA or FSA could be used to fund those expenses.
Can you write off a mattress as a medical expense?
Other Unusual Medical Deductions
A special bed or mattress to help your back or sleeping disorder, if prescribed by a doctor. Home improvements to make your home accessible to someone with a disability. New siding on a home where a resident is suffering from mold on the old siding.
Is a mattress considered durable medical equipment?
Medicare typically does not cover standard mattresses, as they are not considered durable medical equipment. However, Medicare may cover certain types of specialized mattresses, like hospital bed mattresses or pressure-reducing support surfaces, if they are deemed medically necessary by a doctor.
Are pillows HSA eligible?
A cervical pillow, if used to treat a medical condition, is eligible for reimbursement with a Letter of Medical Necessity (LMN) from a medical professional with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).
Does Blue Cross Blue Shield cover mattresses?
A pressure relief mattress is covered under Medicare, Medicaid, Aetna, and BCBS insurance. To get the Medicare-approved amount, you must provide proof of immobility or injury that makes you bedridden.
Can I use my HSA for a hotel room?
Your HSA could also cover hotel costs during a medical treatment–related stay for you and a travel companion, up to certain daily limits. Vision: HSA dollars could pay for a new pair of glasses, contact-lens solution, and laser eye surgery.
What is the downside of an HSA?
Drawbacks of HSAs include tax penalties for nonmedical expenses before age 65, and contributions made to the HSA within six months of applying for Social Security benefits may be subject to penalties. HSAs have fewer limitations and more tax advantages than flexible spending accounts (FSAs).
What happens if I accidentally use my HSA card for non-medical expenses?
You can repay the incorrect distribution before filing your federal taxes for that tax year. However, if you do not correct the mistake, the unqualified amount will be subject to income tax, and you may also face an additional 20% tax penalty.
What is the 12 month rule for HSA?
About the IRS' last-month rule testing period and penalty
It means you must remain eligible for the HSA until December 31 of the following year. The only exceptions are death or disability. If you violate the testing period requirement, your ineligible contributions become taxable income.
How do you sanitize a mattress?
Mix equal parts hydrogen peroxide and water in a spray bottle. This will be your cleaning solution. Spray lightly and avoid soaking the mattress.
Can I trade in my mattress?
Visit local mattress shops in your area and offer your mattress for trade. Not many shops will be interested, as they likely want to maintain their reputation as a seller of new mattresses, but they may be open to the idea if your mattress is in good condition.
Are tampons a medical expense?
Yes! Thanks to the CARES Act, tampons are now considered a “medical expense.” That means you can use pre-tax income to pay for them through your HSA. More questions about tampons? Learn the truth behind some of the most common tampon myths.
Can you pay off a mattress?
Financing can help you pay for a big purchase with manageable mattress monthly payments. Synchrony offers a calculator that will help estimate your monthly payments based on the amount you'd like to finance and the promotional financing offer you choose.
Are diapers a medical expense?
“You can't include in medical expenses the amount you pay for diapers or diaper services, unless they are needed to relieve the effects of a particular disease.”
Is an Apple Watch HSA eligible?
Even though Fitbits and Apple Watches measure important health data, they currently do not qualify for HSA reimbursement, as they are considered for general health use and not intended to treat or manage a specific medical condition.
Can I use my HSA for a massage?
Your HSA can pay for massage therapy, though you'll likely need a letter of medical necessity (LMN) from your doctor. An LMN states what condition the treatment is for, how many sessions you need, and any other relevant details. An HSA may also be used on alternative or holistic treatments, such as: Massage therapy.
Can I use HSA for glasses?
Yes! You can definitely use funds from your flexible spending account (FSA) or health savings account (HSA) to purchase prescription glasses. (FSAs and HSAs can be used for many other vision- and eye health-related expenses, too, but we'll discuss that more in a bit.)