In the US, health savings accounts (HSA) and flexible spending accounts (FSA) are programs that allow you to set aside money (before taxes) for eligible healthcare expenses.
What is Eligible?
If you have been diagnosed with sleep apnea, your FSA should cover CPAP machines, masks, and even cleaning supplies, making it a cost-effective way to manage your treatment. Contact your provider to ensure your purchase meets their requirements, as plan providers and employers can set their own eligibility rules. In some cases, your HSA or FSA provider requires additional documentation for reimbursement.
You can use an HSA or FSA card to purchase your CPAP supplies at Sleeplay’s online store.
Making a PurchaseHow do I submit purchases for indirect reimbursement?
After purchasing your CPAP Supplies from the Sleeplay online store, you can submit your Sleeplay order confirmation email to your HSA or FSA provider as proof of purchase.
Contact your HSA or FSA provider to ensure your purchase meets their requirements, as plan providers and employers can set their own eligibility rules. In some cases, your HSA or FSA provider requires additional documentation for reimbursement.
If you are using FSA funds, your Sleeplay purchase must be made during your FSA plan year to be eligible for reimbursement. Some FSA providers may provide a grace period that extends beyond the plan year. Follow the below instructions for purchases from the Sleeplay online store:
- Find your Sleeplay order confirmation.
- File a claim. Go to your HSA or FSA provider's website to fill out a claim form. Upload your order confirmation from Sleeplay as proof of purchase. You can get reimbursed for your CPAP supplies, including shipping and taxes.
- Submit your claim and all supporting documentation directly to your HSA or FSA provider.
If you need additional support filing a claim or have questions on eligible expenses, please contact your HSA or FSA provider.
How do I purchase directly with an HSA or FSA card?
You can place an order on the Sleeplay online store using your HSA or FSA card, just as you would with any other credit card.
- Select HSA/FSA Cards when choosing a payment method during checkout.
- Once you select Continue, you’ll be taken to a third-party service for HSA/FSA payment, where a review order window will display:
- A subtotal for items eligible for HSA or FSA purchase.
- A subtotal for items that aren't eligible for HSA or FSA payment. You’ll need to use a different credit or debit card to purchase these items.
Once you add an HSA or FSA card and another credit or debit card, select Complete Purchase.
A confirmation email from support@sikahealth.com will be sent to the email address provided in the original order.
What if I have problems using my HSA or FSA card?
Please note that some transactions may be declined even if your HSA or FSA has sufficient funds. If you have any issues using your HSA or FSA card at checkout, ensure you have enough funds to make the purchase. You can complete your purchase with a regular credit card or PayPal and follow the indirect reimbursement process.
What if I don’t have enough funds?
Depending on your card issuer, you may be able to complete your transaction by paying in part with your HSA or FSA card.
If your issuer allows partial authorization, your HSA/FSA subtotal will be automatically adjusted to the remaining balance on your HSA or FSA card account. You can then use a different credit or debit card to pay for the remaining expenses and complete your purchase.
Please note that if you use two different cards for payment, you can't manually select how much you pay with each card.
If your issuer doesn't allow partial authorization, you can complete your purchase with another credit or debit card and submit the receipt to your HSA or FSA provider for reimbursement on eligible items.
Can I gift CPAP supplies purchased with FSA or HSA funds?
Under US federal law, HSA or FSA funds can only be used to purchase products for the account holder or their eligible dependents.
Return, Exchange, or Cancel Order
To return a product purchased with HSA or FSA funds for a refund or exchange, or to cancel an order that has not yet shipped, please contact us for assistance.
Return for refund
If we're able to approve your return via our Return Policy, once we receive your order following the guidelines outlined in this article, we/Sika will transfer any payment amount already received back to your HSA or FSA card account within 10 business days.
Due to federal tax regulations, all refunds for purchases made with HSA or FSA funds must be returned directly to the HSA or FSA card account from which the purchase was made. Only open HSA and FSA accounts may be refunded.
