We're FSA and HSA Eligible

We're FSA and HSA Eligible Coop has partnered with Flex, allowing qualified customers to purchase eligible sleep goods using their HSA or FSA debit card with pre-tax dollars.

We're FSA and HSA Eligible

Coop has partnered with Flex, allowing qualified customers to purchase eligible sleep goods using their HSA or FSA debit card with pre-tax dollars.

What is a qualified customer? 

The IRS oversees HSA and FSA eligibility and dictates that a customer must have a medical condition or disease that they are seeking to treat or manage with Coop Sleep Goods pillows. Customers must have documentation that confirms their eligibility, also called a Letter of Medical Necessity. Not to worry, Coop has partnered with Flex to make this a quick and easy process for customers.

How do I use my HSA/FSA to pay for Coop pillows? 

At checkout, select Flex | Pay with HSA/FSA as your payment option. You will be prompted to complete a brief telehealth consult to confirm your eligibility to pay with HSA/FSA. From there, enter your HSA or FSA debit card details and complete your checkout as usual. If you don’t have your HSA or FSA debit card handy, you can also complete the checkout with a regular credit or debit card.


Within 24 hours of your purchase, Flex will email you both a Letter of Medical Necessity as well as an itemized receipt. Keep these documents for your records should your HSA/FSA provider or the IRS require additional documentation.

That’s it! For more information, check out our FAQ below or reach out to contact us

FSA / HSA

    An FSA (Flexible Spending Account) and an HSA (Health Savings Account) are tax-advantaged accounts for medical expenses but differ in key aspects. FSAs, employer-sponsored, allow employees to use pre-tax dollars for medical expenses such as prescriptions and copays, but typically feature a "use-it-or-lose-it" policy where funds must be used within the plan year. HSAs are available to those with a high-deductible health plan and offer more flexibility, allowing funds to roll over annually.
    Select “Flex | Pay with HSA/FSA'' at checkout. Input your card details and checkout as usual. If a purchase requires verification of eligibility, follow the steps to complete a brief telehealth consult via chat.
    In this case, none of the items in your cart may be HSA or FSA eligible. Reach out to customerservice@coopsleepgoods.com if you think there is an error.
    If you continue to be pushed into the ShopPay checkout, we recommend completing your purchase in an incognito window.
    Like any credit or debit card, HSA/FSAs can be declined if any of the data from the card is incorrect (number, expiration date, zip code etc). Flex will alert you in checkout if any of these fields is missing or incorrect so you can update them.

    The most common reason for rejection of the card is insufficient funds. Reach out to your HSA or FSA provider to verify the amount of money in your account before attempting to complete your purchase again.
    Customers can view and download their documentation in the Flex Portal at https://www.withflex.com/portal/
    Yes, you can still be reimbursed for the expense.

    Select “Flex | Pay with HSA/FSA” at checkout. Instead of entering your HSA or FSA card, input your regular credit card.

    Flex will email you an itemized receipt following your purchase. Submit the itemized receipt to your HSA or FSA provider for reimbursement.
    A Letter of Medical Necessity (LOMN) is a document written by a healthcare provider that explains why a specific medical service, treatment, or equipment is necessary for a patient's health. In relation to an HSA (Health Savings Account) or FSA (Flexible Spending Account), an LOMN is often required for reimbursement of expenses that are not clearly defined as eligible under the standard IRS guidelines.
    Flex has partnered with Coop Sleep Goods to enable consumers to use their HSA/FSA funds. You can think of Flex as an alternative to payment method, similar to Affirm, Klarna etc.