An FSA (Flexible Spending Account) and an HSA (Health Savings Account) are tax-advantaged accounts for medical expenses but differ in key aspects. FSAs, employer-sponsored, allow employees to use pre-tax dollars for medical expenses such as prescriptions and copays, but typically feature a "use-it-or-lose-it" policy where funds must be used within the plan year. HSAs are available to those with a high-deductible health plan and offer more flexibility, allowing funds to roll over annually.

For more information, see Flex’s Comprehensive Guide to HSA/FSAs.

The IRS oversees HSA and FSA eligibility and dictates that a customer must have a medical condition or disease that they are seeking to treat or manage with Mito Red Light devices. Customers must have documentation that confirms their eligibility, also called a Letter of Medical Necessity. Not to worry, Mito Red Light has partnered with Flex to make this a quick and easy process for customers.

• Yes, you can still be reimbursed for the expense. 
• Select “Flex | Pay with HSA/FSA” at checkout. Instead of entering your HSA or FSA card, input your regular credit card. 
• Flex will email you an itemized receipt following your purchase. Submit the itemized receipt to your HSA or FSA provider for reimbursement.

• Select “Flex | Pay with HSA/FSA'' at checkout. Input your card details and checkout as usual. 
• If a purchase requires verification of eligibility, follow the steps to complete a brief form and submit required documentation.

In this case, none of the items in your cart may be HSA or FSA eligible. Reach out to info@mitoredlight.com if you think there is an error or have questions.

If you continue to be pushed into the ShopPay checkout, we recommend completing your purchase in an incognito window.

• Like any credit or debit card, HSA/FSAs can be declined if any of the data from the card is incorrect (number, expiration date, zip code etc). Flex will alert you in checkout if any of these fields is missing or incorrect so you can update them.
• The most common reason for rejection of the card is insufficient funds. Reach out to your HSA or FSA provider to verify the amount of money in your account before attempting to complete your purchase again.

A Letter of Medical Necessity (LOMN) is a document written by a healthcare provider that explains why a specific medical service, treatment, or equipment is necessary for a patient's health. In relation to an HSA (Health Savings Account) or FSA (Flexible Spending Account), an LOMN is often required for reimbursement of expenses that are not clearly defined as eligible under the standard IRS guidelines.

Flex has partnered with Mito Red Light to enable consumers to use their HSA/FSA funds. You can think of Flex as an alternative to payment method, similar to Affirm, Klarna etc.

info@mitoredlight.com