Quick Answer: Start at app.crateshealth.com/onboarding/welcome, pick your products, create your account, and answer a short health assessment. The whole process takes about 5 minutes. Choosing a plan comes after that, and only if we can write letters from your answers.

Open https://app.crateshealth.com/onboarding/welcome. The heading is Let's unlock your savings. The three steps on that screen are Pick your products, Check your eligibility, and Get your letters. The button is Choose my products.

On Choose your products, each card shows a logo or initials, the name, and 1 letter. It does not show a price. You can filter or search. Continue appears when you pick the first product.

Can't find your product? Add your own. You need a name and a valid link. Spend is optional.

The account step comes before the health questions. The heading is Let's check your eligibility.

You can continue with Google, or enter your legal first name, legal last name, email, and password. The helper says Use the name on your HSA or FSA account. The button is Create account & continue. Then you Confirm your legal name. There is no inbox step on this screen.

The password needs at least 8 characters, upper and lower case, a number, and a special character.

If the email already has an account, the screen switches to Sign in to continue. Signing in from this step keeps the products you just chose. Signing in from the login page does not add a leftover selection.

Google on this step continues sign-up when that Google account has no Crates account. The login page only signs in an existing account. If Google finds none, it says so and points you to sign up.

Password sign-up sends Verify your email for Crates Health, with the button Verify email. The link is valid for 7 days. Home is not blocked if the email is still unverified. Google sign-in marks the email verified.

A few basics, then your first name. Required: age in whole years from 18 through 150, sex (Female, Male, or Other), and state (Select the state you live in.).

Then three required questions, Health conditions · 1 of 3 through 3 of 3:

You can choose several, Add another condition, or None of these. The on-screen spelling is Prediabetes.

Two questions are optional, both marked Health profile · optional: What are your wellness goals? and Anything else we should know? Empty is allowed.

Then Two things to agree to. The button is I agree. There is no checkbox. You agree the survey is true, and that the products are to treat the conditions in the survey, under IRS Publication 502. Back is available.

Our licensed healthcare providers use your health profile to determine which products are eligible and to issue your Letters of Medical Necessity. The more complete and accurate your information, the better we can help you. This screen does not issue a letter.

You see Checking your eligibility for 3 seconds, unless your device asks for reduced motion. The pause is not a clinician, and it does not issue a letter.

If you are eligible, the screen says you're eligible, plus a letter count or a savings figure. It does not say letters are issued.

On Choose how you get your letter, with one saved product, you see Subscribe and Save at $35 a year (1 letter, billed annually, highlighted) and One time purchase at $39 (1 letter, one time). 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.

Choose your plan, for more than one product, shows the three annual plans: Beginner Saver ($39 a year, 1 letter), Pro Saver ($89 a year, 3 letters), and Ultimate Saver ($99 a year, unlimited letters, badge Most popular). After onboarding, Choose a plan shows only those three annual plans.

Under the cards: Not ready to pay? Letters are not included with free access. The button is Continue free. You land on Home as Intro Saver, status Free plan, with products saved and no letters.

Remember: your Crates membership fee is itself HSA/FSA eligible!

If we can't write letters from these answers, your products stay saved. Choose Recheck eligibility after you edit them. That screen does not show plans.

Your HSA or FSA administrator is not part of sign-up.

A letter is separate from eligibility. You need a letter left on your plan, an administrator chosen, and current health answers. The first time, you see Step 1 of 2, Where is your health account held? Choose HSA or FSA, then the administrator, or My administrator isn't listed and type the name. No SSN or account number. You can also set this later under Profile, HSA or FSA. Step 2 is which saved products get a letter.

Our licensed healthcare providers review your health information and issues your Letters of Medical Necessity. Many LMNs for catalog products are issued within minutes. For custom or non-catalog product requests, it typically takes 24-48 hours.

You'll receive a notification when your LMN is ready.

A confirmed catalog product shows Letter issues right away. A custom product shows Further review required. When it is issued, open Letters and reimbursements and choose View the original letter. If Crates has a question, Home shows Waiting on you.

You can use your HSA/FSA to cover eligible expenses for your spouse and dependents. A letter already written for someone else can show For and that person's name, and Gift letter or General HSA letter when those apply. See Can I Use Crates for My Family?

Can't sign in? On Log in to Crates Health, choose Forgot password? You will see Reset your password, then Check your email (the login page says Check Your Email). The page does not say whether that email has an account. The link expires in 30 minutes.

If you only use Google, Profile says You sign in to Crates with Google and There is no Crates password to manage.

Health answers not where you left them? A signed-out draft is kept 14 days. Skipping ahead returns you to the first unfinished step. A finished member who opens onboarding goes Home. If a brand link opens an empty list, search or add your own product.

Health assessment not saving? Make sure you're using a supported browser (Chrome, Safari, Firefox, Edge) and that your internet connection is stable.

Not sure which plan to pick? Match the plan to how many letters you need. You can move to a higher plan later on Upgrade for more letters, or, if you are on the free plan, on Choose a plan.

Chat with us using the widget in the bottom-right corner or email us at [email protected]. We're here to help!