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The standard rule is that saunas are not typically HSA/FSA eligible, meaning you cannot use these accounts to purchase a sauna directly. However, there is an exception to this rule: if you obtain a Letter of Medical Necessity from a licensed medical provider, your sauna purchase may qualify for HSA/FSA spending, allowing you to use your Health Savings Account or Flexible Spending Account to buy a sauna tax-free.

At Secret Saunas, we've partnered with Truemed to help our customers unlock the health benefits of infrared saunas while saving money through their HSA or FSA account. Truemed connects individuals with independent licensed providers who can assess whether saunas and other wellness purchases, such as food and exercise programs, can prevent or reverse certain health conditions. If the provider determines that a sauna is necessary for your health, they can issue a Letter of Medical Necessity (LMN), enabling you to purchase our products with pre-tax dollars through your health plan, resulting in net savings of 30-40%.

Regular sauna use has been shown to be particularly effective in managing mental and physical health, and sauna use has been linked to improvements in chronic conditions such as depression, pain, and symptoms associated with musculoskeletal disorders like rheumatoid arthritis, fibromyalgia, and osteoarthritis. The Truemed and Secret Saunas partnership now makes sauna sessions FSA and HSA eligible, which means you can buy a sauna using your HSA or FSA account.

How you can use your FSA or HSA funds to buy a sauna with Truemed

If your HSA/FSA "debit card" does not have enough funds to cover the full sauna purchase:

  1. Click on the "Get pre-qualified" link on the product page and fill in the required details.
  2. Once healthcare providers determine your eligibility and approve your request, you will receive an LMN (Letter of Medical Necessity) for your specific purchase. This will make your sauna or ice bath purchase a qualified medical expense. 
  3. After receiving your LMN, complete your purchase on our website using a personal credit card or PayPal.
  4. To get reimbursement, follow the instructions sent to you and submit your receipts and LMN to your HSA/FSA provider.

If your HSA/FSA debit card has enough funds for the entire sauna purchase:

  1. Add the sauna to your cart and proceed to checkout.
  2. Choose "TrueMed - Pay with HSA/FSA" as your payment method.
    • Note: This option is only available to US residents and for use with HSA or FSA cards.
  3. Follow the TrueMed prompts and enter your HSA or FSA card details.
  4. Complete a short, secure eligibility form.
  5. Finalize your purchase.

If you have any questions about using your HSA/FSA for sauna purchases, please don't hesitate to contact us for assistance.

Keep in mind that FSA funds typically have a use-it-or-lose-it policy, so be sure to check how much time you have left to spend your FSA balance. With the Secret Saunas and Truemed partnership, you can now enjoy the benefits of infrared saunas, traditional saunas and ice baths while using your HSA or FSA account to make a tax-free sauna