Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are tax-advantaged savings accounts that help you pay for qualified healthcare expenses. HSAs are paired with high-deductible health plans and roll over year to year, while FSAs are employer-sponsored and typically must be used within the plan year.

Dermstore has partnered with Flex to allow you to use your Health Savings Account (HSA) or Flexible Spending Account (FSA). This means you can now use your HSA or FSA debit card to buy Dermstore products with pre-tax dollars, resulting in net savings of 30–40%, depending on your tax bracket.

Since these funds are pre-tax, you will save up to 30-40%!

No prescription is needed. For products that require documentation, Flex facilitates a brief, chat-based telehealth consultation as part of the checkout process to generate the necessary Letter of Medical Necessity. No separate prescription or doctor’s visit is required.

A Letter of Medical Necessity (LOMN) is a document from a healthcare provider that explains how a specific product is medically necessary for a patient to treat a diagnosed condition. Some products require this documentation to qualify for HSA/FSA purchase. If a product requires a LOMN, Flex facilitates a chat-based telehealth consultation during checkout that generates the letter automatically. 

Through our partner, Flex, you can obtain a LOMN directly during the checkout process:

• The Process: You will complete a brief, chat-based consultation with a medical professional.

• The Cost: There is a $12 fee for the consultation and issuance of the letter.

• Validity: Once issued, the letter is valid for one full year of eligible shopping.

Flex’s built-in telehealth consultation is the fastest way to get your LOMN, but if you already have a letter from your own doctor that covers the product you’re purchasing, you may be able to submit it to your HSA/FSA provider. Contact your HSA/FSA administrator to confirm what documentation they accept. 

HSA/FSA cards are debit cards, and the most common reason for declines is insufficient funds. Reach out to your HSA/FSA administrator to confirm your balance.

Please forward any denial details or response from your HSA/FSA provider to support@withflex.com. The Flex team will review and advise on next steps. Please note that employer-sponsored FSAs can determine what products are eligible beyond the IRS’s guidelines, so it’s important to check with your provider prior to purchase if you’re unsure about coverage. 

Yes. While the IRS sets general guidelines for FSA-eligible items, individual employers have the right to further restrict what their specific plan covers. We recommend checking with your employer’s HR department or your plan administrator to confirm:

• If they allow for all IRS-eligible health and wellness categories.

• If there are specific merchant restrictions on where you can spend your funds.

• If they require a Letter of Medical Necessity (LOMN) for specific skincare or wellness products even if they are generally listed as "eligible."

Yes. If your HSA/FSA card doesn’t have enough to cover the full amount, you can select Flex at checkout and use a regular credit or debit card instead. Flex will make your itemized receipt and, if applicable, a Letter of Medical Necessity available on the consumer portal at app.withflex.com. You can download these and submit them to your HSA/FSA provider for reimbursement. 

Flex will email you an itemized receipt within two hours of your purchase.

Please forward the details of your FSA provider’s request to support@withflex.com and the Flex team will help with your request. 

Refunds are processed back to the original payment method. If you paid with an HSA/FSA debit card, the refund will be returned to that card. If you paid with a credit card and already submitted for reimbursement, please contact your HSA/FSA provider about the returned funds. For any issues with the refund process, email support@withflex.com. 

Yes! Dermstore now proudly supports using your HSA/FSA funds for recurring subscriptions (Auto-Replenishment) on all eligible products through our partner, Flex.

To set up a subscription using pre-tax dollars:

1. Select the Auto-Replenish option on any HSA/FSA-eligible product page, choose your preferred delivery frequency, and add the item to your cart.

2. At checkout, under payment methods, you must select "Flex | Pay with HSA/FSA". (Note: Standard credit cards or other express checkouts will not route your subscription through your tax-advantaged accounts).

3. Follow the secure Flex prompts to complete your checkout. If any item in your cart requires a Letter of Medical Necessity (LMN), Flex will guide you through a quick, chat-based consultation to generate one right on the spot.

Once set up, your designated HSA/FSA card will be securely saved and automatically charged for all future subscription orders on your selected schedule.

Note: If your product required a Letter of Medical Necessity (LMN) to qualify for HSA/FSA spending, the LMN issued during checkout is typically valid for 12 months. After one year, you may be prompted via email to complete a quick, seamless renewal consultation to ensure your recurring deliveries continue to be covered by your HSA/FSA funds.

Yes, you will earn Rewards points on any purchase at Dermstore regardless of payment method.

Certain states - Louisiana, New Mexico, and Mississippi, have local and state laws limiting telehealth services. Flex is unfortunately unable to provide Telehealth Consultations and Letters of Medical Necessity to customers in these states but you may check out with always-eligible items.

To use your HSA or FSA debit card, add products to your cart as usual on Dermstore.com. At checkout, select “Flex | Pay with HSA/FSA” as your payment option, enter your HSA or FSA debit card, and complete your checkout. 

If you don’t have your HSA or FSA card handy, still select “Flex | Pay with HSA/FSA” as your payment method. Enter your credit card information instead. Flex will make your itemized receipt available on the consumer portal at app.withflex.com, which you can download and submit to your HSA/FSA provider for reimbursement. 

No, unfortunately, this isn’t a supported feature right now. If there are insufficient funds in a single HSA or FSA account, you can instead enter a credit card on the Flex checkout page. You will receive an itemized receipt and/or Letter of Medical Necessity from Flex, which you can download from the consumer portal at app.withflex.com and submit for reimbursement. 

Sales tax for eligible items is also covered by HSA/FSA funds. If you have a split cart with both eligible and non-eligible items, the tax will be divided among the cards based on the items. 

All of your Flex documents — including your itemized receipt and Letter of Medical Necessity (if applicable) — are available on the Flex consumer portal at app.withflex.com. Log in using the same email address you used at checkout to view and download your documents. 

The most common reason is an email mismatch. The portal only shows documents tied to the email address used at the time of checkout. Please confirm you’re logging in with the same email you used when making your Dermstore purchase. If you’re using the correct email and still don’t see your documents, please contact support@withflex.com for assistance.

Your itemized receipt and Letter of Medical Necessity (if applicable) are typically available on the consumer portal at app.withflex.com within 24 hours of your purchase. If you don’t see them after 24 hours, please contact support@withflex.com. 

In order to qualify to use your HSA or FSA card for certain products, the IRS requires you to have a Letter of Medical Necessity. Dermstore has partnered with Flex to enable telehealth consultations as part of the checkout process. Your LOMN and itemized receipt will be available on the consumer portal at app.withflex.com within 24 hours of your purchase. 

No. Some products are auto-substantiated, meaning they are pre-approved for HSA/FSA purchase without a LOMN (for example, sunscreen SPF 15+, first aid supplies, and certain medical-grade skincare products). For these items, you simply pay with your HSA/FSA card at checkout — no consultation is required. Flex automatically determines which products need a LOMN and which do not. 

You should keep it on file for at least three years in the event of an IRS audit of your HSA or FSA account. Occasionally, FSA providers may ask for the letter to confirm the eligibility of your purchase. You can download it anytime from the consumer portal at app.withflex.com. 

Please email support@withflex.com with the correct information. The Flex team will update your letter and make the corrected version available on the consumer portal at app.withflex.com. 

This is typically a timezone issue. Please email support@withflex.com and the team will work to reissue the letter with the correct date. 

Please forward the details of your FSA provider’s request to support@withflex.com. The Flex team will review and work to accommodate your request where possible.

Some products are pre-approved for HSA/FSA and don’t require a traditional LOMN. If your FSA is denying a claim for an auto-substantiated product, please email support@withflex.com. Flex can provide an auto-substantiation letterhead document that explains why the product qualifies for HSA/FSA without a LOMN, which you can submit to your FSA provider.

We apologize for the discrepancy. Please email support@withflex.com with details and they will review the charges and work to resolve any discrepancies.

Yes. Sales tax for eligible items is also covered by HSA/FSA funds. For split carts with both eligible and non-eligible items, the tax is divided proportionally among payment methods. 

Unfortunately, for purchases made without using Flex at checkout, it may be difficult to apply for reimbursement without the proper documentation. For Health Savings Accounts (HSAs), consumers can use an itemized receipt for reimbursement at any time, even years later. For Flexible Spending Accounts (FSAs), most accounts require that the purchase was made within the coverage year. Check with your specific plan for details. 

This depends on your specific FSA provider’s policy. Most FSA administrators require that the purchase be made during the coverage period. However, some may have more flexible rules. We recommend reviewing your plan policy to confirm. Note: HSAs are different and generally allow for reimbursement at any time, even in future years. 

For any HSA/FSA payment, receipt, or LOMN issues, customers should contact Flex directly at support@withflex.com. 

Customers can access their documents anytime at app.withflex.com using the email address they used at checkout. 

For Dermstore order, shipping, or product questions, customers should contact Dermstore support directly.