Quick answer: Yes! Your Crates Health membership fee ($39, $79, or $99/year depending on your plan) is itself an HSA/FSA eligible expense. You can reimburse the subscription cost from your health savings or flexible spending account.
How to Reimburse Your Crates Subscription
Pay for your Crates plan using any payment method (credit card, debit card, etc.)
Get your Crates receipt - you'll receive a receipt/confirmation email after purchase
Submit the receipt to your HSA/FSA admin for reimbursement, just like any other eligible expense
That's it. Your Crates subscription covers medical services (health assessments and LMN issuance by licensed healthcare providers), which qualifies it as a medical expense under IRS guidelines.
Frequently Asked Questions
Can I use my HSA/FSA card directly when signing up for Crates? You can try - if your HSA/FSA card processes the payment, you're all set. If it declines (due to merchant category codes), just use a regular card and reimburse yourself afterward. The end result is the same.
Which Crates plans are eligible? All of them. The One Product ($39/year), Three Products ($79/year), and Unlimited ($99/year) plans 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.
Still Need Help?
Questions about paying for Crates? Chat with us or email [email protected].