Save 30% by using your HSA or FSA card

The money is already set aside. Pick HSA/FSA at checkout.

See what is eligible See the steps

Illustrative, not a discount or tax advice.

Woman in a bright bathroom holding a glowing red light therapy wrap to her waist.

See what you keep

How does paying with HSA or FSA save me 30%?

These accounts exist for one thing: paying with pre-tax money for what treats, eases or prevents a condition a provider has diagnosed.

Pick a device

Tap a device to load its price. Tap more than one to add them up.

Each light is 1% of your order. The lit ones are tax you never pay.

Tax you never pay

$177

on a $590 order paid with pre-tax dollars at 30%

Combined means income plus payroll taxes, and it differs by person, income and state. This is an illustration, not tax advice, and it is not a discount. Yearly contribution limits are in IRS Publication 969.

How it works

What happens at checkout

Three steps, all of them inside the checkout you already use.

Pick HSA/FSA in the payment list

It sits with credit card and the wallets, not off in a separate flow.

A checkout payment list showing Credit card, Apple Pay, and Pay with FSA/HSA, with the FSA/HSA option selected.

Answer a few health questions

A licensed provider reviews your answers, not our products.

A health questionnaire screen shown during checkout, asking how long the shopper has had a qualifying condition.

Pay, and your letter arrives by email

Use your HSA or FSA card, or split the order across two cards.

A payment screen with options to pay in full or split the payment across cards, card entry fields, and a Pay now button.

Shop HSA eligible items

Before you worry about it

No new account

No new account to open and no balance to top up. Bring the card your employer gave you.

Your order is not held up

The questions do not hold up your order, so you pay and check out as normal.

A provider reviews you, not us

A licensed provider reviews your answers, not our products.

Normal cards still work

Credit card is still a payment option at checkout, alongside the wallets.

Common questions

What are FSA and HSA accounts?

Both let you set aside money from your paycheck before taxes for eligible health expenses. An HSA is a health savings account and generally stays with you year after year. An FSA is a flexible spending account and usually has a yearly deadline. Not sure if you have one? Check with your employer or your benefits provider.

Can I use my HSA/FSA at Kala Therapy?

Yes. Pick HSA/FSA in the payment list at checkout, answer a few quick health questions, and pay with your HSA or FSA card the same way you would use any other card. Our devices need a letter of medical necessity, and it comes to you by email after you check out.

Can I use my regular credit card instead?

Yes. Every regular payment option is still there. You can also split an order: put part of it on your HSA or FSA card and the rest on a regular credit or debit card.

What is a letter of medical necessity?

Under IRS rules, some things you buy count as a medical expense only when they treat a specific health condition, not when they are for general health. A letter of medical necessity is a licensed provider's written opinion that a product may treat a condition you have.

Here is how it works. You answer a few health questions at checkout. A licensed provider reviews your answers, not our products. The questions do not hold up your order, so you pay and check out as normal. Your letter arrives by email after you check out. Keep it, because your plan may ask to see it. Not everyone qualifies, and your plan makes the final decision on any claim.

Are there any fees?

You pay the price on the product page. There is no extra charge at checkout for paying with your HSA or FSA card.

When should I use my FSA/HSA dollars?

Any time of year. HSA money generally stays with you year after year. FSA money usually has a deadline, and many plans run use it or lose it at the end of the year, so check your plan's dates before December.

How long until I get my letter of medical necessity?

It arrives by email after you check out. If you do not see it, check your spam folder first, then reach out to us through our contact page and we will help.

I don't have an HSA/FSA. Can I still benefit?

You need one of those accounts to use pre-tax money. Many employers offer them during open enrollment, so it is worth asking. You can still check out normally with any card.

I don't live in the US. Can I still use this?

HSA and FSA are United States programs, so the pre-tax option only applies to US accounts. Everything on the site can still be bought the normal way.

The fine print

Some of what we sell may qualify as a medical expense under IRS rules. Our devices need a letter of medical necessity, a written opinion from a licensed provider that a product may apply to a specific condition you have. Not everyone qualifies, and no product on this site has been reviewed or approved for you in advance.

A letter is not a guarantee that your plan will pay. Your plan administrator makes that decision, and plans differ.

Stands, roller boots, protective eyewear, gift cards and replacement parts are not included on this page, and nothing here says they qualify.

Kala Therapy is not a tax advisor, a medical provider, or a benefits administrator, and nothing on this page is tax, legal, or medical advice. For questions about your account or a claim, contact your plan administrator.

There is a yearly cap on how much you can put into one of these accounts. The IRS publishes the current numbers in Publication 969.