Quick answer: supplements are not automatically HSA/FSA eligible — but many can become eligible with a Letter of Medical Necessity (LMN), and services like Flex have made that process nearly instant at checkout. That's how &mind customers use pre-tax dollars on our AM + PM wellness formulas.
What HSA and FSA dollars actually are
A Health Savings Account (HSA) and a Flexible Spending Account (FSA) both let you set aside pre-tax income for qualified health expenses. Because the money goes in before taxes, spending it is like getting a discount equal to your tax rate — often 20–35% — compared to paying out of pocket.
The catch: the IRS decides what counts as a "qualified medical expense." Prescriptions and many over-the-counter items qualify automatically. General wellness products, including most dietary supplements, do not — unless they're recommended to support a specific health need.
The Letter of Medical Necessity, explained
A Letter of Medical Necessity is documentation from a licensed practitioner stating that a product or service supports a specific health concern for you. With an LMN on file, an otherwise-ineligible supplement purchase can become reimbursable through your HSA or FSA.
Historically, getting an LMN meant a doctor's visit and paperwork. Today, platforms like Flex handle the evaluation online — typically in a few minutes — and store the documentation for you.
How buying &mind with HSA/FSA works
- Add the &mind AM + PM Daily Wellness Set (or the $9.99 2-day trial) to your cart at andmind.com.
- At checkout, choose the Flex payment option and complete a short health survey.
- If you qualify, pay directly with your HSA/FSA card — or pay normally and submit for reimbursement with the documentation Flex provides.
Our AM formula is built to support focus and steady daytime energy; our PM formula supports relaxation and a healthy nightly wind-down routine.* Both are 30-day supplies, covered by a 30-day money-back guarantee.
Common questions
Can I use both an HSA and an FSA? Most people have one or the other; some employers offer a limited-purpose FSA alongside an HSA. Your plan administrator can confirm what you have.
Do FSA dollars expire? Usually yes — most FSA funds are use-it-or-lose-it at the end of the plan year, sometimes with a short grace period or a small carryover. HSAs roll over indefinitely.
Do I need to keep receipts? Yes. Keep purchase receipts and your LMN documentation in case your plan administrator asks.
This article is general information, not tax, legal, or medical advice. Eligibility depends on your specific plan — confirm details with your plan administrator.
*These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease.
