Step 1
Select “Pay with HSA/FSA” at checkout
Look for the HSA/FSA eligible badge on qualifying items and choose Pay with HSA/FSA to start the eligibility flow.
HSA | FSA eligible with Medpaid
Rest better with ZQuiet—use HSA/FSA through Medpaid.
A simple, comfortable way to reduce snoring and support more restful sleep. Pay with pre-tax dollars on eligible purchases.
Select “Pay with HSA/FSA”
Choose the HSA/FSA option at checkout.
Complete quick eligibility
Answer a short assessment to qualify.
Pay or reimburse
Use your HSA/FSA card or submit for reimbursement.
Eligibility is determined by Medpaid’s checkout assessment.
Simple, supportive sleep
A clean checkout experience with Medpaid eligibility.
How it works
Pay with HSA/FSA in 3 quick steps
Choose HSA/FSA at checkout, complete a quick eligibility assessment, then pay with your HSA/FSA card to unlock pre-tax savings.
Step 2
Complete a quick eligibility assessment
Answer a few short questions so a provider can determine eligibility. If approved, you’ll receive a Letter of Medical Necessity valid for 12 months.
Step 3
Pay with your HSA/FSA card
Once approved, pay with your HSA/FSA card to capture pre-tax savings—up to 40%, depending on
your tax rate.
Prefer flexibility? Split Pay lets you divide your purchase between a regular card and your
HSA/FSA card.
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What is HSA | FSA
Use pre-tax funds when eligible
HSAs and FSAs let you pay for qualifying health expenses with pre-tax dollars. When an item qualifies and you’re approved, your effective out-of-pocket cost can be lower than paying after-tax.
Pre-tax vs after-tax
Why it can cost less
Typical savings ranges vary by tax rate and plan rules.
Lower effective cost
Paying with pre-tax funds can reduce what you effectively pay based on your tax rate.
Eligibility matters
Not every item qualifies. Eligibility depends on your needs, plan rules, and the checkout assessment.
Savings vary
“30–40%” is an estimate. Actual savings depend on your tax circumstances and plan rules.
Keep documentation
Save receipts and any supporting documentation for your records, in case your plan requests it.
HSA
A health savings account tied to an eligible plan. Funds are yours and can be used for qualified expenses.
FSA
A flexible spending account from your employer. Plan rules vary and may be time-limited.
Note: Savings vary by individual tax circumstances and plan rules. Eligibility depends on your needs and plan requirements.
Common HSA/FSA Questions
How to get access to your Letters of Medical Neccessity and more.
How does using HSA/FSA save me money?
HSA/FSA funds are pre-tax. Paying with these accounts (or reimbursing after purchase) uses dollars that aren’t subject to income tax—often resulting in up to 40% savings depending on your tax situation. Always check your plan rules.
Which products are eligible?
Eligibility is determined for each shopper via a quick online assessment, and a Letter of Medical Necessity (LMN) is part of the process to qualify for payment or reimbursement with pre-tax HSA/FSA dollars. Products that commonly qualify may be labeled to help you find them faster.
What is a Letter of Medical Necessity (LMN)?
An LMN is a provider’s letter stating a product is medically necessary for your condition. Complete the brief assessment; if approved, your LMN is issued digitally and typically valid for 12 months. You’ll receive it by email and can access it anytime in the Medpaid patient portal.
How do I get a copy of my Letter of Medical Necessity (LMN)?
Log in to the Medpaid patient portal. Your username is the email you used at checkout. If you haven’t set up your account yet—or need to reset—select “Forgot password” to create or reset your password. Once signed in, you can download your LMN anytime.
Pay with HSA/FSA vs. reimbursement—what’s the difference?
Pay with HSA/FSA: Complete the quick assessment to obtain an LMN and, once qualified, pay at checkout with your HSA/FSA card.
Reimbursement: Pay with any card, complete the assessment to obtain an LMN, then submit your receipt and LMN to your HSA/FSA administrator for repayment. Step-by-step help: How to pay with HSA/FSA.
How fast is the approval process?
The assessment takes less than 1 minute, and determinations are typically made in seconds. Approved LMNs are emailed immediately.
What information do I need for the assessment?
Basic contact info, a short description of your symptoms or goals, and (optionally) relevant history. No lengthy medical records are required for most shoppers.
Can I use a regular credit card and get reimbursed later?
Yes. Keep your receipt and LMN. Submit both to your HSA/FSA provider for reimbursement according to your plan’s rules and timelines.
Are there any fees or extra costs?
The LMN is complimentary when taken with an associated purchase. If you prefer an individual LMN without a product purchase, a marginal fee may apply.
How long does my LMN last?
LMNs are typically valid for 12 months from the date of approval unless your plan specifies otherwise.
I don’t have an HSA or FSA. Can I still purchase?
Absolutely. You can purchase with any card. If you later open an HSA/FSA and your item qualifies with an LMN, reimbursement may be possible per plan rules.
HSA and FSA accounts are U.S. benefit types; availability may differ outside the U.S.
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