Card issuers retain full authority to approve or decline any transaction. Common reasons include: insufficient balance in your HSA or FSA account, your plan requires a Letter of Medical Necessity, the card has not been activated, or your plan restricts online purchases. We recommend calling the number on the back of your card for details specific to your decline.

Most HSA and FSA plans allow the purchase of therapeutic heating pads and cold-therapy products without a prescription. However, some plan administrators may require a Letter of Medical Necessity (LMN) from your healthcare provider. If your card is declined, check with your benefits administrator to see if an LMN is needed.

Yes. If your HSA or FSA balance does not cover the full order total, you can typically use your benefit card for the available amount and pay the remainder with a regular credit card, debit card, or other accepted payment method.

Yes. Your order confirmation email is a valid receipt showing the product name, amount paid, and date of purchase. If your plan requires you to submit claims for reimbursement rather than paying directly with the card, this receipt along with the product description from our website is typically sufficient documentation.

We suggest confirming your available HSA or FSA balance before checkout to ensure sufficient funds. If your plan has specific vendor or product-category requirements, verify eligibility with your plan administrator in advance. This helps avoid unnecessary declines at checkout.