An LMN, or Letter of Medical Necessity, is essentially a note from a doctor stating that you are purchasing an item to treat or manage a medical condition.

In order to qualify to use your HSA or FSA card for Perfectly Snug, the IRS requires you to have a Letter of Medical Necessity. Perfectly Snug has 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 and LMN.

You’ll be asked to share your name, contact information, date of birth, and information about the symptoms you are experiencing.

Your health information is confidential between yourself and the telehealth provider who approves your medical letter. Perfectly Snug has no access to your health information.

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 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.

Please email support@withflex.com and they will reach out to their telehealth team to reprocess and send your corrected Letter of Medical Necessity.

Split payments are not yet supported, but will be in the near future! We recommend completing the questionnaire, and then paying with your credit card. Your Letter of Medical Necessity will be emailed to you, and you can submit it to your HSA/FSA provider for reimbursement.

After you complete your purchase using the LMN, you will need to submit your Letter of Medical Necessity and your receipt to substantiate the purchase (if you paid with your HSA/FSA) or to get reimbursed (if you paid with your credit/debit card, which is also an option). To do this:

1. Log into your HSA/FSA account on your benefit administrator’s website 
2. Find the Reimbursement or Claims section 
3. Upload your receipt and Letter of Medical Necessity

Your administrator will process and evaluate your claim. Please note that some HSA/FSA benefits administrators may incorrectly deny reimbursement, so before purchasing a product with an LMN you should consider contacting your administrator to determine if your purchases will be covered/reimbursed.

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.

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. For example, if the FSA coverage is for 2025, all purchases typically need to be made and/or submitted for reimbursement within that coverage period.

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.

Unfortunately, for purchases made without using Flex in the checkout to receive an itemized receipt, it may be difficult to apply for reimbursement.

For Health Savings Accounts (HSAs), consumers can use an itemized receipt for reimbursement anytime after they have made the purchase, even if it is many years later.

For Flexible Spending Accounts (FSAs), most accounts require that the purchase was made in the calendar year during which the consumer had the FSA, as FSAs typically do not roll over. Some FSAs offer a buffer window, allowing customers additional time to submit receipts for expenses incurred during the previous calendar year.

Perfectly Snug has 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 Perfectly Snug with pre-tax dollars, resulting in net savings of 30-40%, depending on your tax bracket.

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 support@withflex.com so they can share it with and receive guidance on the next best steps to take. Please note that employer-sponsored FSAs can determine what products are eligible beyond the IRS’s guidelines, so it’s extremely important to check prior to purchase.

The key here is to make sure you are logged out of ShopPay. One of the easiest ways to do this is to go through checkout in an incognito window, or click "checkout as guest."

Perfectly Snug is a proudly Canadian company. 🍁 While Canada also has HSA programs, these are not identical to the USA's. Flex is not currently compatible with Canadian HSA providers.

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.