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What Are the Benefits of Buying an FSA-Eligible Mattress?



Sleep is best guaranteed when you have the right mattress to begin with. That being said, high-caliber sleep surfaces can come at a price that may make people hesitant to invest in their sleep health.

What You Can Buy With FSA Money

FSAs (Flexible Spending Accounts) are an employer-sponsored benefit that enables employees to set aside pre-tax dollars for medical expenses. This type of account has always been linked with doctor visits, prescriptions, and certain medical supplies. Medical equipment that alleviates medical conditions—including mattresses—may qualify as tax-deductible expenses according to the IRS, but there are complicated rules to follow.

Why an FSA-Eligible Mattress is Best

The most significant advantage of buying an FSA mattress is the financial savings. It lowers the out-of-pocket cost of purchasing a new mattress by allowing you to pay for it with pre-tax dollars from your FSA account. By extension, for shoppers who have specific medical needs or health concerns, a portion of their budget will be allotted to materials that support the spine as well.

Medical Conditions Discomforts: Many people are afflicted by back pain (persistent or even acute) simply because of some other problems that permit these types of problems to be exacerbated or even served to alleviate the kind of mattress on which they sleep. Now an FSA-eligible mattress allows these shoppers to purchase a mattress designed to provide the support and comfort necessary to treat these symptoms without the price tags.

Personalized Comfort: Mattresses that are FSA applicable can include many forms, like memory foam, latex, adjustable beds, and more. This range gives consumers a choice of a mattress that does not only comply with medical requirements but is also fit for personal comfort and sleep style.

Higher Quality of Sleep: Beauty sleep is so vital; you need your rest to perform and function at your best! Better sleep on a mattress can result in a more positive mood, better cognitive performance, and stronger physical health. Buying a mattress for a better night of sleep is one instance in which FSA funds can perhaps come to the rescue, as improved sleeping habits can support a healthy lifestyle far beyond catching a few extra Zzzzs.

Makes You Feel Better: knowing that the IRS won’t question this purchase in the case of an audit, you can sit back and relax. In this way, you can make sure you are not spending money on something that has to do with your health and your comfort.

Purchasing an FSA-Eligible Mattress

In most cases, buying a mattress that qualifies as FSA-eligible requires a letter of medical necessity from a healthcare provider. This document states that the bed with the specific mattress is needed clinically for all treating conditions. You need to verify your FSA administrator/benefits provider to confirm you are properly following their requirements for documentation etc.

Arguably, one of the most important investments for quality sleep is in a mattress supportive of your health and well-being. The availability of FSA-eligible mattresses provides a pragmatic way for people to alleviate common health conditions or seek to enhance their sleep environment. 

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