Shop with FSA & HSA

You can use your pre-tax HSA or FSA dollars to save 30% to 40% on qualified skincare, cosmetics, and more—so you can prioritize self-care without added financial stress.

SHOP ELIGIBLE PRODUCTS

How to Shop with FSA & HSA

step 1

Add to Cart

Browse our products and look for the HSA/FSA Eligible badge on qualifying items like gentle cleansers, soothing moisturizers, and safe makeup.

step 2

Choose "Flex" for Payment Method

Pay with HSA/FSA. If your card isn’t available, use a regular credit or debit card and submit the receipt to your HSA/FSA administrator for reimbursement.

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step 3

Verify Eligibility

For first-time purchases, you will need to complete a short telehealth questionnaire to confirm eligibility. Follow the prompts to proceed.

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step 4

Enter Card Details

Enter your HSA/FSA card details and finalize checkout. Flex will send an itemized receipt and a Letter of Medical Necessity to keep for your records.

HSA/FSA

FAQs

What is an HSA/FSA Account?

Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are tax-advantaged accounts designed to help you cover healthcare expenses with pre-tax dollars, reducing your overall costs.

What is Flex, and how does it work with Lotus Beauty Co.?

Lotus Beauty Co. partners with Flex to enable you to use your HSA or FSA debit card for purchases. This allows you to buy medically safe skincare and cosmetic products with pre-tax dollars, saving you 30-40% depending on your tax bracket.

How much can I save using my HSA/FSA funds?

By using pre-tax HSA/FSA funds, you can save 30-40% on eligible products, depending on your tax bracket.

Do I need a prescription to use HSA/FSA funds for purchases?

No prescription is required, but some products may need a Letter of Medical Necessity (LOMN) from a licensed healthcare provider to confirm they treat or manage a medical condition. Flex provides a quick chat-based telehealth consultation during checkout to generate this letter if needed.

What is a Letter of Medical Necessity (LOMN)?

An LOMN is a document from a healthcare provider stating that a product is necessary for treating or managing a medical condition. Flex simplifies this by offering a telehealth consultation to generate the letter instantly during checkout.

Can I use an LOMN from my own healthcare provider?

Yes, you can obtain an LOMN from your healthcare provider and submit it with your purchase receipt to your HSA/FSA administrator for reimbursement, instead of using Flex’s telehealth option.

Why is my HSA/FSA card being declined?

HSA/FSA cards function as debit cards, and declines are often due to insufficient funds. Contact your HSA/FSA administrator to verify your account balance.

What should I do if my HSA/FSA claim is denied?

Before purchasing, confirm with your HSA/FSA provider that the items are eligible. If you believe a claim was incorrectly denied, forward the denial notice to support@withflex.com for assistance. Note that employer-sponsored FSAs may have additional eligibility rules beyond IRS guidelines.

Can I use Flex if my HSA/FSA funds don’t cover the full purchase?

Yes, you can use available HSA/FSA funds for eligible items and pay the remaining balance with a credit or debit card.

When will I receive my itemized receipt?

Flex will email your itemized receipt within two hours of completing your purchase.

My FSA needs more information after submitting my Flex receipt. What should I do?

Forward your FSA’s request to support@withflex.com, and Flex will assist with additional details or provide a revised receipt.

What is the return process for HSA/FSA-eligible items?

Returns for HSA/FSA eligible items follow Lotus Beauty Co.’s standard return policies.