How the HSA/FSA option works at checkout

The eligibility review is handled by Redo, the provider we work with. Start to finish, the flow looks like this.

1. Shop and check out normally.Add the chair to your cart and enter your contact and delivery details as usual.
2. Choose Pay with HSA/FSA.It sits alongside the standard payment methods. Selecting it tells you that you will be redirected to complete the purchase.
3. Answer about ten questions.You will review the standard consents, then answer questions about your diagnosed conditions, how long you have had them, treatments you have already tried, and your current medical history.
4. You may see a pre-approval screen.This is not the final decision — see the note below.
5. A licensed provider reviews the request.You supply a few basic details, your request is routed to a provider for clinical review, and your HSA or FSA card is charged once they sign off.

You will also see the option on individual product pages, labelled Buy with HSA/FSA. It starts the same process.

Why a massage chair isn't automatically eligible

The IRS draws a line between expenses that are primarily for medical care and expenses that are merely good for you. Medical expenses are those related to the diagnosis, cure, mitigation, treatment or prevention of disease, or that affect a structure or function of the body. Something bought because it is beneficial to general health does not clear that bar. IRS Publication 502 sets this out in detail.

A massage chair can obviously be bought simply because massage feels good, and that is a personal purchase. The same chair bought to manage a diagnosed condition may be a different matter — which is precisely why each case has to be reviewed individually rather than settled by the product itself.

Two things follow, and they trip people up constantly. Wanting a massage chair does not make it eligible. And owning an HSA card does not make it eligible either — typing that card number into an ordinary payment field is not the same as going through an eligibility review.

What a letter of medical necessity is

A letter of medical necessity is a short document from a licensed provider supporting the medical purpose of something that might otherwise look like a personal expense. Depending on the situation it typically covers the condition being treated, what is being recommended, why it is medically appropriate, and how long it is expected to be needed.

You do not need to arrange one separately. The review built into checkout routes your request to a provider who can issue it.

HSA and FSA: the difference that matters here

Both are tax-advantaged accounts for healthcare costs, and both can potentially be used here. The practical difference is what happens to money you don't spend.

Does the brand or the price change anything?

No. Eligibility follows your circumstances, not the badge on the chair. An Osaki is not eligible because it is an Osaki, and the same goes for Luraco, Infinity, Kyota, Ogawa, Titan, Cozzia and everything else we carry. Price does not decide it either. What matters is whether the expense meets the requirements and whether you have the funds available.

That is genuinely useful when you are shopping, because it means you can pick the chair that actually suits you rather than narrowing to one manufacturer on a guess about eligibility.

Paying for part of the purchase

Plenty of people have some HSA or FSA money available but not the full amount for a premium chair. Whether a payment can be split depends on the transaction, so call us before you order and we will walk you through the options for your particular purchase. The same applies if you want to combine health funds with financing.

Choosing the chair itself

Eligibility is a payment question. It should not drive which chair you buy, because you are the one who has to sit in it.

The things worth weighing are your height and build, since not every chair fits every body; how strong a massage you actually want; which features you will use rather than admire; the floor space the chair needs upright and fully reclined; and the warranty behind it. Our buyer's guide covers the mechanics properly — 3D versus 4D rollers, SL-track designs, body scanning, zero-gravity positions, air compression, foot and calf systems and heat.

And if you can, sit in one before you decide. Massage is subjective, and a chair one person loves can be another person's least favourite. We have showrooms in Las Vegas and in St. George, Utah.

Common questions