How to Use Your HSA & FSA for Wellness Tools (Yes, You Can Buy Saunas With Pre-Tax Dollars)

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If you’ve ever stared at your HSA or FSA balance in December thinking, “I do not need 400 bandaids… what else can I buy with this?” —you’re in the right place.

Most people have no idea their pre-tax insurance funds can cover a TON of legitimate wellness tools — including red light therapy, PEMF, clean supplements, detox tools, genetic testing, and even saunas.

Today we’re upgrading your entire understanding of what your insurance dollars can do for you.

Let’s make your HSA/FSA work harder than it ever has.

Note: Many wellness brands now partner with Truemed, which checks HSA/FSA eligibility and turns your purchase into a medical expense instantly. If you see “Pay with HSA/FSA” — that’s them.

Quick Primer: HSA vs. FSA

HSA (Health Savings Account)

  • Yours forever
  • Rollover every year
  • Acts like a long-term “health wallet”
  • Can be invested
  • More flexible for wellness tools

FSA (Flexible Spending Account)

  • Use it or lose it (usually end of year)
  • Some plans offer a grace period
  • Best for “buy it now” wellness tools
  • Covers many of the same categories

The good news? With Truemed, most brands tell you instantly whether your HSA/FSA covers your purchase.

1. Red Light Therapy Devices (Often Covered!)

Red light therapy is medically recognized for inflammation, pain, thyroid support, autoimmune conditions, wound healing, skin, and mitochondrial health. Most HSA/FSA plans reimburse with an LMN.

My Recommendations

HigherDOSE (Use code MAYWELLNESS)
Red light mask + blanket

BonCharge (Code MAY15)
Panels, mask, blankets, dome

2. PEMF Therapy (Increasingly Approved)

PEMF supports circulation, inflammation, pain, recovery, sleep, and cellular repair. Nearly always approved with an LMN.

My Recommendations

BonCharge PEMF Mat

HigherDOSE PEMF Mat

3. Infrared Saunas & Sauna Blankets (YES — Eligible!)

Infrared sauna is considered medically necessary for many chronic conditions (autoimmune, mold, pain disorders, lymphatic stagnation, toxin load). Strong LMN = easy approval.

My Top Pick

Therasage Portable Infrared Sauna
Code: MAYWELLNESS20

Relax Sauna (My Honest Review)

No link intentionally. Code “BWELL” works if buying direct.

I own this one; it’s effective but too intense and not the cleanest. If buying again, I would choose Therasage 100%.

Blanket Options

BonCharge Sauna Blanket (Code MAY15)

HigherDOSE Sauna Blanket

Full Wood Saunas

Therasage and HigherDOSE both offer clean, low-EMF options — excellent for long-term detox.

Sauna Safety PSA

Never lie flat in any sauna or blanket. Drainage moves toward your head → nausea, headaches, fog. Use a recliner or incline your torso.

4. Supplements & Therapeutic Nutrients (With LMN)

Your HSA/FSA can often cover practitioner-grade supplements.

Shop all brands through my Fullscript dispensary for 20% off: Fullscript Dispensary

  • Biotics Research
  • Protocol for Life Balance
  • NOW
  • Designs for Health
  • Seeking Health
  • Quicksilver Scientific
  • Nano-Ojas Immune, Skin & Nasal Spray
    (code MAY15)
  • CellCore (message me directly to be added to my practitioner portal)

Rasa Adaptogenic Blends

Shop Rasa
Code: RASARX798875
HSA/FSA eligible with an LMN (stress, adrenal support, thyroid support, postpartum fatigue).

5. Clean Water Filtration (Often Eligible)

Especially for autoimmune, mold, GI issues, thyroid conditions.

AquaTru Water Filtration

Crystal Quest Bath Ball Filter

6. Blue-Light Blocking Glasses

Approved for circadian imbalance, headaches, migraines.

BonCharge Blue Light Glasses

7. Blood Sugar Tools

  • Glucose meters
  • Lancets + strips
  • Ketone meters
  • Continuous Glucose Monitors (CGMs)

8. Therapeutic Heating Pads

Therasage Infrared Heating Pads
Code: MAYWELLNESS20

9. Durable Medical Equipment (DME)

10. Gentle Detox Tools (Often Approved)

11. Emerging Wellness Tools Worth Asking About

12. Compact Movement & Metabolic Tools

WalkingPad

Shop WalkingPad

Tri-Folding Rower

WalkingPad Rowing Machine

13. Clean Period & Leakproof Underwear

My top two clean picks (every other brand I tried failed).

Modibodi — My Daily Go-To

Modibodi is the brand I actually use for myself and my daughter. Their bamboo outer with merino wool gusset is incredibly breathable, and their organic cotton teen line (also with merino gusset) is one of the safest, cleanest options I’ve found for younger girls. Oeko-Tex certified, no plastic diaper feel, and they hold up well in real life.

Lilova — Excellent Organic Cotton Option

Shop Lilova
15% off code: BRENNAMAYWELLNESS

Lilova’s organic cotton line is a solid clean option, especially if you prefer a cotton gusset. The Kate and Avery styles felt high quality, comfortable, and well-made. The rest of the designs I could have passed on — so if you’re shopping Lilova, I’d stick to those two.

14. Genetic & Functional Testing (Increasingly Covered)

Many HSA/FSA plans now reimburse for labs when ordered through a practitioner with medical-necessity justification. These are the tests I most often use to personalize protocols.

Genomic Spotlight (Designs for Health)

If you’ve ever wondered why coffee hits you like a freight train, or why perfume from three aisles over gives you a migraine, this test spills the tea. It shows your body’s built-in “settings” so you can finally work with your biology instead of guessing around it.

Order Genomic Spotlight

GI Spotlight (Designs for Health)

If you’ve ever had mystery bloating or meals that sit in your stomach like concrete, this test turns the lights on in your gut. It shows where digestion slows down, where inflammation hides, and why certain foods feel… personal.

Order GI Spotlight

Metabolomics Spotlight (Designs for Health)

If you’ve ever felt like your body’s battery won’t fully charge no matter what you do, this test explains it. It’s basically a metabolic report card — minus the shame, plus a real path forward.

Order Metabolomics Spotlight

Need more in-depth labs? Message me directly for stool testing, methylation pathways (Mosaic Diagnostics), mold testing, heavy metals, my full NTA/functional lineup, or custom test triage.

How to Get Reimbursed (The Simple Version)

1. Itemized Receipt

From the brand.

2. Letter of Medical Necessity (LMN)

From your practitioner (NTP, ND, MD, DO, chiropractor). Use keywords like:

  • chronic condition
  • inflammation
  • medically indicated
  • therapeutic need
  • part of treatment plan

If you see “Pay with HSA/FSA via Truemed,” you’re golden.

Use Your Insurance Dollars Wisely

Your HSA/FSA is not just for bandaids and ibuprofen.

It can support:

  • detoxification
  • thyroid healing
  • mitochondrial function
  • adrenal recovery
  • autoimmune support
  • nervous system regulation
  • clean living

You’re paying into these accounts — use them to build real health.

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