Quick Answer: Crates Health has 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). During sign-up, one saved product can also be Subscribe and Save at $35 a year, or a one-time purchase of $39. The paid plan cards include receipt storage and one-click reimbursement. Your membership fee is itself HSA/FSA eligible.

The website calls Beginner Saver One Product ($39 a year), Pro Saver Three Products ($89 a year), and Ultimate Saver Unlimited ($99 a year). The app and this Help Center use Beginner Saver, Pro Saver, and Ultimate Saver for those plans.

During sign-up, one saved product uses Choose how you get your letter. That screen shows two choices. It is not the three-plan page:

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.

In the app, a one-time buyer is shown as Beginner Saver. While that purchase is current, the letter and receipt storage are limited to the one product that was bought.

Beginner Saver at $39 a year, listed above, is on Choose your plan when you saved two or more products, with Pro Saver and Ultimate Saver. After onboarding, Choose a plan shows only those three annual plans. It does not show the $35 price or the one-time purchase.

Best for: Someone who wants to cover one specific item, like a gym membership or an Apple Watch.

Existing Pro members keep $79 at renewal.

Best for: Someone with a few wellness expenses, maybe a gym membership, a fitness tracker, and supplements.

The Most popular badge is on Ultimate Saver on the three-plan page.

Best for: Anyone who wants letters across a whole wellness routine.

The $513, $949, and $1,487 figures are published averages on the plan cards, not your own estimate.

The savings figure during sign-up is 30% of modeled spend. It is a modeled tax benefit, not a balance or a reimbursement. A monthly cost counts as twelve months. A one-time cost counts once. Actual savings depend on your tax rate and what you spend.

Under the plan cards: Not ready to pay? Letters are not included with free access. The button is Continue free. That opens Home. The plan name is Intro Saver, and the status is Free plan. Your products stay saved. You can read letters you already have. You cannot start a letter. You cannot store a receipt or request reimbursement unless an issued letter is still unexpired.

Yes! Your Crates Health membership fee is HSA and FSA eligible. You can use your pre-tax dollars to cover the subscription cost itself - which means the plan essentially costs you even less after tax savings.

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.

Example: If you spend $90 a month on wellness products, that is $1,080 a year. We estimate your tax savings using a 30% tax rate, so you could save about $324 a year, more than 3x the $99 cost of the Ultimate Saver plan (called Unlimited on our website). Your actual savings depend on your tax rate and spending.

Your plan name and how many letters you have left show on the plan button, and under Profile, Membership.

If you already paid, including a one-time purchase, the screen is titled Upgrade for more letters. An annual upgrade says Prorated for the time left on your current plan. The card shows the amount due today.

A Pro member is offered Ultimate only. A one-time buyer is offered Pro Saver and Ultimate Saver, not Beginner again. The review shows Applied payment credit for the earlier payment, then Due today.

A free member uses Choose a plan, which lists the three annual plans.

The upgrade screen does not show the savings line that first purchase and onboarding show.

If you have trouble finding the upgrade option, chat with us or email [email protected] and we'll help you upgrade.

A letter of medical necessity is a letter that a product is medically necessary for you. Each product needs its own letter. Pro Saver includes 3 letters, for example a gym membership, a fitness tracker, and supplements.

Each accepted product uses one letter. A request in review holds one.

The purchase lasts 12 months from the purchase date. The letter lasts 12 months from the day it is issued. Those are different clocks.

Coverage runs from the issue day through the same calendar date one year later, on Pacific calendar days. Issued 15 Oct 2026 means valid through 15 Oct 2027.

Both are available during sign-up when you have one saved product. Subscribe and Save is $35 a year and includes 1 letter, billed annually. One time purchase is $39 for 1 letter. In the app, both are shown as Beginner Saver. See the one-time wording in the Beginner Saver section above.

The three annual plans are billed annually. Many people start with one letter and later open Upgrade for more letters.

Do I get charged monthly or annually? Plans are billed annually. This keeps the cost low and gives you coverage for a full year of LMNs and reimbursements. The one-time purchase is paid once.

I joined before the price changed. Does my renewal go up? No. Members whose plan started before the new prices took effect keep their original price when their plan renews. Existing Pro members keep $79 at renewal.

What happens if I cancel? Your existing LMNs remain valid for their original 12-month duration even if you cancel your subscription. You just won't be able to get new LMNs or use the reimbursement features after your plan expires.

Can I get a refund? 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. If you're unhappy for any other reason, reach out and we'll make it right.

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