Use Your HSA or FSA to purchase a Red Light Panel
Valo has partnered with Flex to allow qualified customers to use their HSA or FSA. This means you may be able to use your HSA or FSA debit card to buy our products with pre-tax dollars.
HSA/FSA payments simplified
Use your HSA or FSA funds to purchase eligible wellness products with ease.
How to Pay with HSA/FSA in 4 Easy Steps
Add Items to Cart
Select Flex Payment
Complete Quick Survey
Order Confirmed
HSA/FSA ELIGIBLE PRODUCTS
Discover our premium red light therapy devices
Valo Spark
Glow Face Mask
HSA/FSA Payment Questions
We have partnered with Flex to allow you to use your Health Savings Account (HSA) or Flexible Spending Account (FSA). This means you can now use your HSA or FSA debit card to buy our products with pre-tax dollars, resulting in net savings of 30-40%, depending on your tax bracket.
To use your HSA or FSA debit card, add products to your cart as usual. At checkout, select "Flex | Pay with HSA/FSA" as your payment option, enter your HSA or FSA debit card, and complete your checkout as usual. If you don't see "Flex | Pay with HSA/FSA," you may be in Shop Pay. Select "checkout as guest" to view more payment options.
If you don't have your HSA or FSA card handy, still select "Flex | Pay with HSA/FSA" as your payment method. Enter your credit card information and Flex will email you an itemized receipt to submit for reimbursement.
HSA/FSA cards are debit cards, and the most common reason for declines is insufficient funds. Reach out to your HSA/FSA administrator to confirm your balance.
Please forward us the request from your FSA, and we will work with the Flex team to issue you a new receipt.
Please check your spam folder, as sometimes emails from notifications@withflex.com may be automatically filtered as spam by some email service providers. If you still can't find it, please email support@withflex.com and let them know the email address associated with your order.
No, unfortunately, this isn't a supported feature right now. If there are insufficient funds in a single HSA or FSA account, you can instead enter a credit card on the Flex checkout page. You will receive an itemized receipt and/or Letter of Medical Necessity from Flex, which you can submit for reimbursement.
Thanks for reaching out, and apologies for the discrepancy. We'll review the charges and get back to you with details of the likely refund shortly.
Sales tax for eligible items is also covered by HSA/FSA funds. If the customer has a split cart, the tax will be divided among the cards based on the items.
Letter of Medical Necessity Questions
Some products require documentation from a licensed healthcare provider stating that the item is necessary to treat or manage a specific medical condition. If the product requires a Letter of Medical Necessity (LOMN), Flex facilitates a chat-based consultation that generates the Letter in real time.
In order to qualify to use your HSA or FSA card, the IRS requires you to have a Letter of Medical Necessity. We have partnered with Flex to enable asynchronous telehealth visits as part of our checkout. Within 24 hours of your purchase, Flex will email you both an itemized receipt.
You should keep it on file for at least three years in the event of an IRS audit of your HSA or FSA account. Occasionally, FSAs may ask for the Letter to confirm the eligibility of your purchase.
Please email support@withflex.com and they will reach out to their telehealth team to reprocess and send your corrected Letter of Medical Necessity.
Thanks for letting us know! This may be a time zone issue. We'll reach out to our partners at Flex to see if they can reissue the Letter with an updated date.
Generally, we're not able to accommodate one-off requests, but we will reach out to our partners at Flex and see if we can accommodate your request.
Please check your spam folder, as sometimes emails from notifications@withflex.com may be automatically filtered as spam. If you still can't find it, please email support@withflex.com and let them know the email address associated with your order.
We strongly recommend checking with your HSA/FSA provider to see if a purchase is eligible prior to completing the purchase. However, if you believe your claim has been wrongly denied, please send over any response from your HSA/FSA provider to us so we can share it with Flex and receive guidance on the next best steps to take.
The ability to apply for FSA reimbursement in a future calendar year depends on the policy of the specific FSA provider. Most FSA administrators require that the purchase be made during the time of coverage.
However, some administrators may have more flexible rules regarding the timing of when the expense occurred. We recommend that customers review their plan policy to confirm the details.
Note: Health Savings Accounts (HSAs) are different and generally allow for reimbursement at any time, even in future years.