Shop FSA/HSA Eligible Products

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Save Up to 40% with Your HSA/FSA Benefits

Pay smarter with your HSA or FSA benefits. We've partnered with Flex to accept pre-tax dollars for eligible Petal products, including dental cleaners, microneedling kits, eye patches, and whitening systems. Qualified customers can save up to 30–40% on professional-grade health and beauty essentials.

  • Who is eligible to use HSA/FSA for Petal products?

    The IRS permits HSA/FSA funds to be used for treating or managing medical conditions. This means if you experience teeth grinding, require clear aligners for orthodontic treatment, need retainers for dental maintenance, or use night guards for TMJ, you may be eligible. Your provider will typically request documentation of medical necessity, known as a Letter of Medical Necessity. Through our partnership with Flex, this verification process is streamlined and hassle-free.

  • How do I use my HSA/FSA to purchase Petal products?

    During checkout, select Flex | Pay with HSA/FSA as your payment method. You'll complete a brief telehealth consultation to verify eligibility. Once approved, simply use your HSA or FSA debit card to complete your purchase directly.

  • What if I don't have my HSA/FSA card available?

    That's okay. Simply checkout with your regular credit or debit card, and you can submit your purchase receipt to your HSA/FSA provider later for reimbursement. Most administrators make this process straightforward through their online portals or mobile apps.

How it Works in 4 Easy Steps

  • 1. Add products to cart

    Choose from our collection of HSA/FSA Eligible products.

  • 2. Enter your shipping address

    Then, click continue to shipping and choose a shipping method.

  • 3. Select Flex | Pay with HSA/FSA at checkout

    Don't have your card on hand? Pay with your regular card and get reimbursed later.

  • 4. Complete Flex Evaluation

    After pressing check out, complete the evaluation to receive a Letter of Medical Necessity
Learn More

Frequently Asked Questions — HSA/FSA

What is an HSA or FSA and why should I use one? +

An HSA (Health Savings Account) and an FSA (Flexible Spending Account) are special accounts you can use to pay for qualified medical expenses with pre-tax dollars. This means you save money because the funds aren’t taxed.

  • FSAs are employer-sponsored accounts that cover eligible medical expenses like prescriptions or copays. Most FSAs have a “use-it-or-lose-it” policy, which means you need to spend the funds before the plan year ends.
  • HSAs are available if you’re enrolled in a high-deductible health plan. Unlike FSAs, the money in your HSA rolls over year to year and can be used anytime.

Both options help you save 30–40% on out-of-pocket healthcare-related costs.

How do I use my HSA or FSA funds to shop on Petal? +

At checkout, simply chooseFlex | Pay with HSA/FSA.Enter your HSA or FSA card details and complete your purchase just like you would with a debit or credit card.

Why don't I see an HSA/FSA payment option at checkout? +

If you don’t see the HSA/FSA option, it usually means that the products in your cart aren’t eligible under IRS guidelines.

If you believe your order should be eligible, reach out to our support team at help@bepetal.com for assistance.

Shop Pay keeps showing up. How do I use my HSA/FSA card instead? +

Sometimes Shopify may push you toward Shop Pay automatically. If this happens, we recommend opening an incognito/private browser window and trying checkout again. You can also try checking out as a guest. From there, you should see the option to use your HSA/FSA card through Flex.

Why was my HSA or FSA card declined? +

Your HSA or FSA card works like a regular debit card, so it can be declined for reasons such as:

  • Incorrect card details (number, expiration date, billing zip code, etc.)
  • Insufficient funds in your account

If information is missing or incorrect, Flex will alert you during checkout so you can update it. If you suspect the issue is due to available funds, contact your HSA or FSA provider to confirm your balance.

I don't have an HSA or FSA debit card. Can I still use my benefits? +

Yes! You can still use your HSA/FSA funds even without the physical card.

Here’s how:

  1. At checkout, select "Flex | Pay with HSA/FSA."
  2. Use your regular credit or debit card to pay.
  3. After purchase, Flex will email you an itemized receipt.
  4. Submit this receipt to your HSA/FSA provider for reimbursement.
What is a Letter of Medical Necessity (LOMN)? +

A Letter of Medical Necessity (LOMN) is a note written by a healthcare provider that explains why a specific product or treatment is required for your health.

When using HSA/FSA funds, some products (like certain dental or therapeutic items) may require an LOMN to qualify for reimbursement under IRS rules.

Who is Flex and how does Petal work with them? +

Flex is a partner platform that makes it easy to pay with your HSA or FSA benefits online. Think of Flex as a specialized payment method, similar to Affirm or Klarna, but designed for healthcare-related purchases.

By partnering with Flex, Petal allows you to use your pre-tax HSA/FSA dollars directly at checkout, making the process fast and stress-free.

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