HSA/FSA accounts were created so individuals could use pre-tax money to pay for expenses used to treat, mitigate, or prevent a diagnosed medical condition. Because HSA/FSAs use pre-tax money, you’re getting more purchasing power for your dollars. Rather than pay taxes on income and then spend it on health items, qualified customers can use pre-tax funds to invest in their health.An individual can contribute up to $4,150 pretax to their HSA per year, or $8,300 for a family (plus an additional $1,000 if you are at least 55 years old. Individuals can contribute up to $3,200 pretax to their FSA per year (with an additional $500 in employer contributions allowed).

Health savings accounts (HSA) and flexible spending accounts (FSA) are programs that allow you to set aside pre-tax dollars for eligible healthcare expenses. If you’re unsure whether or not you have an HSA or FSA account, please check with your employer or insurance company.

NNABI has partnered with Flex to allow you to use your Health Savings Account (HSA) or Flexible Spending Account (FSA). This means that you can now use your HSA or FSA debit card to buy NNABI nutritional supplement (non-CBD) products for one-time purchases with pre-tax dollars, resulting in net savings of 30-40%, depending on your tax bracket. If you purchase a subscription you can follow the reimbursement process.

Yes! On the receipt for your purchase or next subscription shipment there will be a reimbursement link that will prompt you with the steps to get a Letter of Medical Necessity for reimbursement.   In order to get reimbursed follow the below steps: 

1. Understand your LMN
2. Identify your HSA/FSA Administrator
3. Log into your HSA/FSA Administrator’s Online Portal
4. Locate the ‘Reimbursement’ or ‘Claims’ section
5. Submit your LMN and Receipt
6. Await Confirmation
7. Repeat for future receipts

The items in your Flex Letter of Medical Necessity (“LMN”) are now qualified medical expenses in the same way a visit to the doctor’s office or pharmaceutical product is.There are thousands of studies showing food and exercise is often the best medicine to prevent and reverse disease. Exercise qualifies as a qualified medical expense with an LMN. Food, supplements, and other wellness purchases qualify as medical expenses if they treat or prevent an illness, and a doctor substantiates the need. Your Flex LMN satisfies all IRS requirements to make your wellness spend fully reimbursable.

There is no cost to you.

You can use your HSA/FSA dollars all year long. However, FSA dollars expire at the end of the year and unused money may not rollover into the next year. Make sure to spend the rest of your FSA dollars before December 31st — use it, so you don’t lose it!

Generally it takes 24-48 hours. In some cases, Flex’s provider team will require additional time to issue a letter of medical necessity based on the needs associated with an individual qualification survey. If you aren’t seeing your letter in your inbox, check spam for an email from notifications@withflex.com, then reach out to us at support@withflex.com for help.

Unfortunately, Flex services are for individuals who have HSA or FSA accounts (or plan to fund one during open enrollment). We encourage you to ask your employer about information on your HSA or FSA!

With Flex, FSA/HSA cards can be used for express checkout, but only through Flex designated regular one-time purchase payment method at checkout. If you select Flex as your payment option, you can use your FSA or HSA card like a regular credit card.