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. 

No, this feature is coming soon.

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.