Quick Answer: Yes! Your Crates Health membership fee is itself HSA and FSA eligible. You can use pre-tax dollars to cover the subscription cost, making it even more affordable.
Your Membership Is Eligible
Your Crates Health subscription ($39, $89, or $99/year depending on your plan) is a qualified medical expense. That means you can reimburse it from your HSA or FSA just like any other eligible purchase.
Those prices are Beginner Saver ($39 a year), Pro Saver ($89 a year for a new purchase), and Ultimate Saver ($99 a year).
During sign-up, one saved product can be Subscribe and Save at $35 a year. The one-time purchase is $39. A one-time purchase covers one letter and lasts 12 months from the purchase date. After that your account stays free, with everything you've saved.
How to Reimburse Your Membership Fee
Pay for your Crates subscription with your regular credit or debit card
Save your receipt. Under Profile, Membership, open Payment history. It lists the date and amount, and View receipt when a link exists.
Submit a reimbursement claim to your HSA/FSA admin, including:
Your Crates receipt
Your Letter of Medical Necessity (which covers the underlying wellness products)
Your administrator decides the payout and timing.
The Math Makes Sense
When you factor in the HSA/FSA tax savings on the subscription itself, Crates costs even less:
Plan | Price | After ~30% Tax Savings | Effective Cost |
Beginner Saver | $39 a year | ~$12 savings | ~$27/year |
Pro Saver | $89 a year | ~$27 savings | ~$62/year |
Ultimate Saver | $99 a year | ~$30 savings | ~$69/year |
The plan cards show average savings of $513, $949, and $1,487 a year. Those are published averages, not your own estimate.
Can I Use My HSA/FSA Card Directly for Crates?
For most customers, the best approach is to pay with a regular credit card and reimburse: this ensures there are no issues with merchant category codes. Plus, you earn credit card rewards and can let your HSA funds continue to grow through compound interest before reimbursing.
Our Guarantee
If you don't save more than the cost of your subscription within 30 days of purchase, we'll give you a full refund — no questions asked. Between the subscription being HSA/FSA eligible and the savings on your wellness products, the ROI is clear.
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Frequently Asked Questions
Can I use my HSA/FSA card directly when signing up for Crates? Yes. Crates is a telehealth/medical service, so our checkout accepts HSA/FSA cards directly. If your card ever declines, you can pay with a regular card and reimburse yourself, and the end result is the same.
Which Crates plans are eligible? All of them. Beginner Saver ($39 a year), Pro Saver ($89 a year), and Ultimate Saver ($99 a year) are all HSA/FSA eligible since they all include medical assessment and LMN services.
Do I need a separate LMN for the Crates subscription itself? No. The subscription is a payment for medical services (health assessment and LMN issuance), which are directly eligible medical expenses. You don't need an LMN for medical services.
Does this work with both HSA and FSA? Yes. The Crates subscription is eligible for reimbursement from either account type.
What if my FSA balance is low and I want to use it before it expires? This is a great use of expiring FSA funds. Pay for your Crates subscription, get reimbursed from your FSA, and then use the LMNs throughout the year to save on your other wellness expenses too.