HSA/FSA eligibility is decided by a licensed provider and your plan. Tax savings vary. Illustrative math, not tax advice.
SIJO HSA/FSA
At SIJO, we believe better sleep is essential to better health. Eligible customers can now use their Health Savings Account (HSA) or Flexible Spending Account (FSA) right at checkout to purchase select products designed to support deeper, more restorative sleep.
How to Use HSA/FSA Funds?
Pick HSA/FSA at checkout
It sits in the payment list with credit card and the wallets, not off in a separate flow.
Answer a few health questions
A licensed provider reviews your answers to confirm eligibility. The questions do not hold up your order.
Pay with your HSA/FSA card
Use your HSA or FSA card, or split the order across two cards. Your letter of medical necessity arrives by email after you check out.
How does using my HSA/FSAsave me money?
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 root cause interventions.
From your wages
Paid in taxes*
Available to spend
From your wages
Available to spend
Award winning, luxury bedding.
Shop Eligible Products
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Common Questions
How does using my HSA/FSA account save me money?
HSA and FSA accounts are funded with pre-tax dollars, which means you effectively pay less for eligible products. For example, if you’re in the 30% tax bracket and spend $100 from your HSA/FSA, it only cost you $70 in pre-tax income — a 30% savings.
What are FSA and HSA accounts?
A Flexible Spending Account (FSA) and Health Savings Account (HSA) are both tax-advantaged accounts that let you set aside pre-tax money for eligible health-related purchases. FSA funds typically must be used within the plan year, while HSA funds roll over indefinitely.
Can I use my HSA/FSA at SIJO?
Yes! Pick HSA/FSA in the payment list at checkout, answer a few quick health questions, and pay with your HSA or FSA card the same way you would use any other card. If your order needs a letter of medical necessity, it comes to you by email after you check out.
Can I use my regular credit card at checkout?
Yes. Every regular payment option is still there. You can also split an order: put part of it on your HSA or FSA card and the rest on a regular credit or debit card.
What is a Letter of Medical Necessity, and how is this compliant?
A Letter of Medical Necessity (LMN) is a document issued by a licensed healthcare provider confirming that a purchase is medically necessary. A licensed provider reviews your brief health survey at checkout and issues your LMN, which meets IRS guidelines for HSA/FSA reimbursement.
Are there any fees for using HSA/FSA at SIJO?
No. You pay the price on the product page. There is no extra charge at checkout for paying with your HSA or FSA card.
When should I use my FSA/HSA dollars?
FSA funds typically expire at the end of your plan year, so it’s a good idea to use them before they expire. HSA funds roll over year to year. Either way, now is a great time to invest your pre-tax health dollars in better sleep.
How long does it take for me to receive my Letter of Medical Necessity?
Most customers receive their LMN within minutes to a few hours after completing the health assessment. In some cases it may take up to 1 business day.
I don’t have an HSA/FSA. Can I still benefit?
You need one of those accounts to use pre-tax money. Check with your employer about FSA benefits, or look into opening an HSA if you have a qualifying high-deductible health plan. You can still check out normally with any card.
I don’t live in the US. Can I still use my HSA/FSA?
HSA and FSA are United States programs based on IRS-regulated accounts, so the pre-tax option applies to US accounts only. Everything on the site can still be bought the normal way.
