Using Your FSA or HSA
Did you know your KickIt adaptive clothing may be eligible for purchase using your FSA (Flexible Spending Account) or HSA (Health Savings Account)?
HSAs and FSAs
What are HSAs and FSAs?
FSAs and HSAs are special healthcare savings accounts that let you set aside pre-tax dollars to pay for qualified medical expenses.
If you’re unfamiliar with these terms, here’s a brief breakdown:
- HSA (Health Savings Account):
A personal savings account where you can set aside pre-tax dollars specifically for medical expenses. Available to individuals with high-deductible health plans, HSA funds roll over year to year, giving you long-term flexibility. - FSA (Flexible Spending Account):
Typically provided by employers, FSAs also let you set aside pre-tax dollars for healthcare costs. However, most FSAs are “use-it-or-lose-it,” meaning you need to spend your funds within your plan year.
Both accounts are designed to help you manage health-related expenses, giving you more control and peace of mind over your healthcare spending.
Can I use my HSA or FSA to purchase KickIt recovery garments?
Possibly. Many HSA/FSA administrators may reimburse recovery garments with a Letter of Medical Necessity (LMN) from a licensed medical provider.
Our recovery-focused products include:
- Hospital Gowns with Snaps
- Robe
- Hospital Pajamas
- Recovery Pajamas (short and long sleeve)
- Recovery Tank Top
- Color Block Shirt with Drain Pockets
- Kristin Recovery Sash Dress
These items are designed with front-open or accessible designs and internal pockets to hold post-surgical drains, which may be considered medically necessary during post-operative recovery depending on your procedure and provider recommendation.
Eligibility is ultimately determined by your benefits administrator, not by us.
How do I know if my HSA/FSA administrator requires a specific form?
Each plan is different. We recommend contacting your benefits administrator directly and asking:
“Do you require a specific Letter of Medical Necessity form for reimbursement, or will a provider’s letter on official letterhead be accepted?”
Some administrators provide their own LMN template, while others accept a doctor’s letter.
A generic letter of medical necessity can be found here.
Can I use my HSA/ FSA card at KickIt?
We do not recommend attempting to checkout with your HSA/FSA cards for compliance purposes. We strongly encourage simply transacting with your normal credit or debit card, and submitting for reimbursement as outlined above for the greatest likelihood of success.
Letter of Medical Necessity (LMN)
What is a Letter of Medical Necessity (LMN)?
A Letter of Medical Necessity is a written statement from a licensed healthcare provider explaining:
- The medical condition or procedure
- Why a specific product is necessary for treatment or recovery
- The length of time the product is needed
Many benefits administrators require an LMN to approve reimbursement for items that are not automatically considered medical expenses.
How do I submit an LMN for reimbursement?
While exact steps vary by plan, the general process is:
- Contact your benefits administrator to confirm requirements
- Ask your medical provider to complete either your administrator’s official LMN form or a general LMN letter
- Purchase the recovery garment
- Submit the LMN and itemized receipt for reimbursement
Where can I find an LMN?
Ask your medical provider to complete either the administrator’s official LMN form or a general LMN letter
Can I use my HSA or FSA to purchase KickIt recovery garments?
Possibly. Many HSA/FSA administrators may reimburse recovery garments with a Letter of Medical Necessity (LMN) from a licensed medical provider.
Our recovery-focused products include:
- Hospital Gowns with Snaps
- Robe
- Hospital Pajamas
- Recovery Pajamas (short and long sleeve)
- Recovery Tank Top
- Color Block Shirt with Drain Pockets
- Kristin Recovery Sash Dress
These items are designed with front-open or accessible designs and internal pockets to hold post-surgical drains, which may be considered medically necessary during post-operative recovery depending on your procedure and provider recommendation.
Eligibility is ultimately determined by your benefits administrator, not by us.
Qualifying as a Medical Expense
Why might recovery garments qualify as a medical expense?
HSA/FSA funds can generally be used for expenses whose primary purpose is medical care, including treating or supporting recovery from surgery.
In some cases, recovery garments may be considered medically necessary because they:
- Allow safe access to surgical sites without excessive movement
- Reduce strain or risk of disrupting incisions
- Secure post-surgical drains internally, improving mobility and hygiene
- Support compliance with post-operative care instructions
Because these garments also have everyday uses, they are not automatically eligible—but they may qualify with documentation.
Does this guarantee reimbursement?
No. Approval depends on:
- Your specific HSA/FSA plan
- Your medical provider’s determination
- Your administrator’s eligibility rules
We cannot guarantee reimbursement, but we’re happy to provide documentation and product descriptions to support your request.
Do I need a prescription?
Sometimes. Certain items may require a doctor’s note or letter of medical necessity.
Which KickIt products qualify for coverage?
All of our hospital wear and recovery wear feature medical functionality that typically qualify for HSA/FSA, such as designs that address mobility, dexterity and/or living challenges.
However, coverage depends on your insurance company and the Letter of Medical Necessity (LMN).