Quick answer: Crates Health helps you use your HSA or FSA to cover wellness expenses like gym memberships, fitness trackers, supplements, and more. You take a quick health assessment, get a Letter of Medical Necessity (LMN) from our medical team, buy your products normally, and then get reimbursed through your HSA/FSA. The whole process saves you 25-40% on wellness spending.

Take a quick health assessment (about 2-3 minutes). We'll ask about your health conditions, wellness goals, and the products you're interested in. Based on your answers, we'll show you which products in your wellness routine are eligible for HSA/FSA coverage.

Our licensed healthcare providers review your health profile and issue your Letters of Medical Necessity (LMNs). Many LMNs for catalog products are issued within minutes — custom or non-catalog requests typically take 24-48 hours. No doctor visits. No waiting weeks. No co-pays.

Buy from wherever you normally would - Amazon, your local gym, your favorite brands. Use your regular credit card. Nothing changes about how you shop. You do NOT need to buy through Crates - we're not a store.

Upload your itemized receipt to your Crates dashboard, click "Start Reimbursement," and for supported admins, our in-house claims team handles submitting documentation. Money goes back into the bank account linked to your HSA/FSA. For other admins, download your LMN and submit to your admin's portal yourself.

The most popular categories our members save on:

See the full list on our Explore Eligibility page.

When you use pre-tax HSA/FSA dollars instead of after-tax income, you save your marginal tax rate. For most people, that's 25-40%.

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.

Do I need to be sick or have a diagnosis? No. Prevention counts. If you have risk factors for conditions like heart disease, diabetes, or hypertension - or even family history of these conditions - many wellness products can qualify. The health assessment helps identify what applies to you.

How long does the whole process take? Health assessment: about 3 minutes. LMN delivery: many catalog products are issued in minutes, custom requests typically 24-48 hours. Reimbursement: varies by your HSA/FSA admin, but typically 3-10 business days after you submit.

Is this legitimate? Is it legal? Yes. Letters of Medical Necessity are an established mechanism under IRS rules (Publication 502) for qualifying wellness products as medical expenses. Our LMNs are issued by licensed healthcare providers and follow all IRS requirements.

What if my claim gets denied? It happens sometimes, usually because the HSA/FSA admin needs more documentation. Our in-house claims team helps you through the appeal process. Here's our guide on handling denials.

Can I use Crates for my family? Yes! You can get LMNs for your spouse and dependent children and reimburse from your HSA/FSA. Here's how family coverage works.

What makes Crates different from other HSA/FSA services? Crates can issue LMNs for virtually any wellness product — you're not limited to a preset catalog. You shop wherever you normally would, pay with your regular card, and we handle the medical documentation and reimbursement. Plus, Crates stores your LMNs and receipts in one place, so you're always prepared in case the IRS audits you.

Head to crateshealth.com and take the health assessment. It takes about 3 minutes, and you'll see right away which of your wellness expenses are eligible.

Chat with us using the widget in the bottom-right corner or email [email protected]. We're here for you.