Buy the Papaya Pillow with your HSA/FSA funds
Your Papaya Pillow may be eligible for reimbursement with your pre-tax HSA/FSA dollars if you have a Letter of Medical Necessity (LMN). We have partnered with Flex, so you can get your LMN after a quick chat-based consultation if you qualify.
- Save roughly 30–40% by getting reimbursed with pre-tax HSA/FSA dollars
- Instant chat consultation (takes 2 minutes) — no scheduling or video required
- Qualifying customers receive a clinician-reviewed Letter of Medical Necessity (LMN)
- $15 consultation fee charged by Flex — HSA/FSA eligible
Papaya Sleep does not provide tax or medical advice. A Letter of Medical Necessity is issued by Flex at a clinician's discretion and supports — but does not guarantee — reimbursement. Your HSA/FSA administrator makes the final decision. Confirm eligibility with your administrator before purchasing. Papaya Sleep is not responsible for denied claims, as approval is subject to your plan's individual policies.
How to use your HSA/FSA with Papaya Sleep
Follow the steps below to seek HSA/FSA reimbursement for your Papaya Pillow with our partner Flex.
Complete your consultation
Start a quick chat-based consultation with Flex before you purchase. You will be asked pre-qualifying questions and charged a $15 fee by Flex (itself HSA/FSA eligible) if you proceed. After a clinician determines it's appropriate for your condition, you'll receive a Letter of Medical Necessity for your pillow.
Make your purchase
Purchase your Papaya Pillow using a standard payment method. Do not use your HSA/FSA card.
Submit for reimbursement
Follow Flex's instructions to submit your Letter of Medical Necessity and receipt to your HSA/FSA administrator.
See if you qualify for a Letter of Medical Necessity
A short consultation with Flex determines whether you're eligible for a Letter of Medical Necessity. An LMN supports reimbursement of dual-purpose items like the Papaya Pillow — though your HSA/FSA administrator makes the final call.
Frequently asked questions
Papaya Sleep has partnered with Flex to allow you to use your Health Savings Account (HSA) or Flexible Spending Account (FSA).
Flex provides a short chat-based consultation to determine whether you're eligible for a Letter of Medical Necessity (LMN). An LMN supports reimbursement of dual-purpose items like the Papaya Pillow, but reimbursement is not guaranteed. Your HSA/FSA administrator makes the final call.
The Papaya Pillow is what's commonly called a "dual-purpose" item. It can support general wellness but may also serve a legitimate medical purpose when used to manage a diagnosed condition. Dual-purpose items aren't automatically eligible; they can qualify when supported by a Letter of Medical Necessity (LMN) from a licensed provider.
Whether your purchase is ultimately reimbursed is decided by your HSA/FSA administrator — not by Papaya Sleep or Flex. Always confirm with your administrator before you buy, especially for FSAs, where an employer's plan may apply stricter rules.
A Health Savings Account (HSA) lets you set aside pre-tax dollars to pay for qualified healthcare expenses. HSAs are linked to high-deductible health plans, and unused funds roll over from year to year.
A Flexible Spending Account (FSA) also lets you use pre-tax dollars for eligible healthcare expenses. Unlike HSAs, FSAs are typically provided by employers, aren't tied to a specific health plan, and often require you to use the funds within the calendar year.
Because HSA/FSA funds are set aside before taxes, using them effectively discounts eligible purchases by your marginal tax rate — often around 30–40%, depending on your tax bracket and state. Your actual savings depend on your personal tax situation.
1. Start a short chat-based telehealth consultation with Flex ($15 fee, itself HSA/FSA eligible) to see whether you qualify for a Letter of Medical Necessity. This must happen before you purchase.
2. If a clinician issues an LMN, buy your Papaya Pillow here using a regular credit or debit card. Don't pay with an HSA/FSA card on our store.
3. Submit your itemized receipt and LMN to your HSA/FSA administrator for reimbursement. You can also file the claim directly in the Flex Consumer Portal, so Flex assembles and submits it to your administrator for you.
A Letter of Medical Necessity is a document from a licensed healthcare provider stating that a product is medically necessary to treat or manage a diagnosed condition. Dual-purpose items — like the Papaya Pillow — generally need an LMN to be considered for HSA/FSA reimbursement.
Whether a Letter of Medical Necessity is issued is decided by a licensed clinician during a brief chat-based consultation with Flex. Under IRS guidelines, an LMN is issued when you have a qualifying medical condition that supports use of the product. The clinician makes this determination — it isn't guaranteed.
No. An LMN supports eligibility, but your HSA/FSA administrator makes the final reimbursement decision. FSAs are employer-sponsored, so some employer plans apply stricter standards to dual-purpose items. In some cases a valid LMN may still not be reimbursed. Always check your administrator's or employer's specific guidelines before purchasing.
A Letter of Medical Necessity is typically valid for 12 months from the date it is issued and can be used for eligible purchases during that period. Keep all receipts for reimbursement and recordkeeping.
Keep your Letter of Medical Necessity and receipts on file for at least three years in case of an IRS audit. Some administrators may also request a copy to verify the eligibility of your purchase.
Under IRC § 213(d) and IRS Publication 502, medical expenses are amounts paid to diagnose, cure, mitigate, treat, or prevent disease, or to affect a structure or function of the body — not items that are "merely beneficial to general health."
In practice, the industry sorts items into two buckets: "Always Eligible" (a clear primary medical purpose, such as wheelchairs or hearing aids) and "Dual-Purpose" (used for wellness but medically necessary for a diagnosed condition, which require a Letter of Medical Necessity). The Papaya Pillow falls into the dual-purpose category.
