Quick Answer: Crates Health helps you use your HSA (Health Savings Account) or FSA (Flexible Spending Account) to pay for wellness products and services - like gym memberships, fitness trackers, supplements, and more. We handle the medical documentation so you can save 30-40% on things you're already buying.
How It Works
Most people don't realize that everyday wellness expenses can be covered by their HSA or FSA. The catch? Many of these products require a Letter of Medical Necessity (LMN): a short document from a licensed healthcare provider (MD, DO, PA, NP) that connects the product to your health needs. Each product needs its own letter.
That's where Crates comes in. We make the entire process simple:
Check your eligibility. Start at app.crateshealth.com/onboarding/welcome. The heading is Let's unlock your savings. The button is Choose my products. You pick products, create an account, and answer health questions. It takes about 2 minutes. If you are eligible, that screen does not mean a letter has been issued.
Get your medical documentation. Our licensed healthcare providers review your information and issue your Letters of Medical Necessity. No doctor visits required. No waiting weeks. Many LMNs are issued within minutes for catalog products, or 24-48 hours for custom requests. A confirmed catalog product shows Letter issues right away. A custom product shows Further review required.
Purchase your products normally. Buy from Amazon, your local gym, your favorite brands. Use your regular credit card. Crates is not a store. You buy products where you normally would. Most merchants do not take HSA cards, so you pay with a personal card and then get reimbursed.
Get reimbursed. Add a receipt on Letters and reimbursements. When you are ready, it shows Continue reimbursement. Crates fills and sends the claim for Bank of America, Fidelity, FSAFEDS (FSA only), HealthEquity, HSA Bank, Navia, Optum, and WEX, when the account type matches. For our 8 supported admins, our in-house claims team submits the documentation directly. For any other administrator, download the letter and the receipt and submit them yourself. The administrator decides the payout and timing.
What Can I Use Crates For?
Crates covers a wide range of wellness products and services, including:
Gym memberships - Equinox, 24 Hour Fitness, Orangetheory, Planet Fitness, and more
Fitness trackers & wearables - Apple Watch, Oura Ring, WHOOP, Garmin
Supplements & nutrition - AG1, Thorne, Momentous, LMNT, Seed probiotics
Recovery tools - Therabody, red light therapy, saunas, cold plunges
Sleep technology - Eight Sleep, sleep trackers
Home fitness - Peloton, Tonal, home gym equipment
Mental health tools - Meditation apps, therapy services
Not sure about a specific product? Chat with us and we'll let you know if it qualifies. On Choose your products, use Can't find your product? Add your own. You need a name and a valid link. Spend is optional. A custom product is marked Further review required.
Who Is Crates For?
Crates is for anyone with an HSA or FSA who spends money on wellness. You don't need to be sick or have a diagnosis to qualify - many common health conditions like stress, sleep issues, high blood pressure, or family history of heart disease can make wellness products eligible.
Is This Actually Legit?
Yes. Everything we do is based on IRS Publication 502, which allows HSA/FSA funds to be used for products that help prevent, manage, or reverse specific health conditions — as long as you have proper medical documentation. Our team includes licensed healthcare providers (MD, DO, PA, NP) who review every case individually.
Crates Health was founded by Anchor Ebanks, a Harvard Business School graduate and former Google employee who saw how much money people were leaving on the table with their HSA/FSA benefits.
How Much Does Crates Cost?
We offer three annual plans:
Beginner Saver: $39 a year, 1 letter, billed annually. Limited receipt storage. One-click reimbursement. The plan card shows average savings of $513 a year.
Pro Saver: $89 a year for a new purchase, 3 letters. Limited receipt storage. One-click reimbursement. Priority support. The plan card shows average savings of $949 a year.
Ultimate Saver: $99 a year, unlimited letters. The badge is Most popular. Unlimited receipt storage. One-click reimbursement. Early access to savings tools. Priority support. The plan card shows average savings of $1,487 a year.
The $513, $949, and $1,487 figures are published averages on the plan cards, not your own estimate.
During sign-up, one saved product can be Subscribe and Save at $35 a year (1 letter, billed annually), or a one-time purchase of $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. In the app, a one-time buyer is shown as Beginner Saver. After onboarding, Choose a plan shows only the three annual plans.
Your Crates membership fee is itself HSA/FSA eligible, so you can use pre-tax dollars to pay for it.
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.
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