PAY WITH YOUR HSA/FSA CARD

Zenimal has partnered with Flex, making it easier for eligible customers to use their HSA or FSA funds. You may now be able to purchase Zenimal products with your HSA or FSA debit card, allowing you to save money by using pre-tax dollars.

HSA/FSA PAYMENTS SIMPLIFIED WITH FLEX

To pay with your HSA or FSA card, simply add products to your cart and proceed to checkout. Select Flex | Pay with HSA/FSA as your payment method, confirm your eligibility, and enter your HSA or FSA debit card information. Don’t have your card handy? No problem, you can check out with a regular credit card and Flex will email you an itemized receipt to submit for reimbursement.

Learn More About FLex

Add Products To Cart

Select Flex At Checkout

Confirm Eligibility

 Enter your HSA/FSA card

General FSA/HSA Questions

What is Flex and what is their relationship with Zenimal?

Zenimal is now partnered with Flex, making our devices eligible for purchase using your Health Savings Account (HSA) or Flexible Spending Account (FSA). You can use your HSA or FSA debit card to buy a Zenimal Kids or Teen/Adult device, saving 30–40% by using pre-tax dollars, depending on your tax bracket.

How do I pay with my HSA or FSA card?

To use your HSA or FSA debit card, add products to your cart as usual. At checkout, select "Flex | Pay with HSA/FSA" as your payment option, enter your HSA or FSA debit card, and complete your checkout as usual. If you don't see "Flex | Pay with HSA/FSA," you may be in Shop Pay. Select "checkout as guest" to view more payment options.

What if I don't have my HSA/FSA card available?

If you don’t have your HSA or FSA card available, no worries, just choose “Flex | Pay with HSA/FSA” at checkout. Enter your regular credit card, and Flex will send you an itemized receipt you can use to request reimbursement from your HSA/FSA provider.

Why can't I see Flex as a payment method?

To ensure Shop Pay doesn't interfere with checkout, make sure you're logged out. The simplest way to do this is by using an incognito or private browsing window during checkout.

Why is my HSA/FSA card being declined?

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.

I submitted my Flex itemized receipt for reimbursement and my FSA requires more information.

Please forward the request from your FSA to support@withflex.com  to work with you to issue you a new receipt.

Help! I didn't receive an email from Flex with my itemized receipt and/or letter of medical necessity. What should I do?

Please check your spam folder, as sometimes emails from notifications@withflex.com may be automatically filtered as spam by some email service providers. If you still can't find it, please email support@withflex.com and let them know the email address associated with your order.

I would like to use multiple HSA/FSA cards to pay for an item. Can I do that?

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 submit for reimbursement to your HSA/FSA provider.

My purchase receipt from Zenimal has a different number than what my FSA was charged. How can we resolve it?

We apologize for the discrepancy. Please email us at hello@zenimals.com so we can review the charges and follow up with more details.

Is sales tax covered by HSA/FSA funds, or is it treated separately?

Sales tax for eligible items is also covered by HSA/FSA funds. If the customer has a split cart, the tax will be divided among the carts based on the items.

Letter of Medical Necessity Questions

What is a Letter of Medical Necessity?

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.

Why do I need to provide Zenimal with health information?

In order to qualify to use your HSA or FSA card for our products, the IRS requires you to have a Letter of Medical Necessity. Zenimal has partnered with Flex to enable asynchronous telehealth visits as part of our checkout. Within 24 hours of your purchase, Flex will email you an itemized receipt.

Do I need to do anything with my Letter of Medical Necessity?

Be sure to keep the letter on file for at least three years, as it may be required in the event of an IRS audit of your HSA or FSA. Some FSA providers may also request it to confirm your purchase is eligible.

Help! I mistakenly entered my name and/or date of birth and need to get an updated letter. Who can I reach out to?

Please email support@withflex.com and they will reach out to their telehealth team to reprocess and send your corrected Letter of Medical Necessity.

Reimbursement Questions

My HSA/FSA Claim was denied. What should I do?

We highly recommend confirming eligibility with your HSA or FSA provider before making a purchase, as some employer-sponsored FSAs may have additional restrictions beyond IRS guidelines. If your claim is denied and you believe it was an error, please forward the response from your provider to support@withflex.com for assistance and guidance on next steps.

Can a customer purchase a product now and apply for FSA reimbursement in the next calendar year?

Whether you can apply for FSA reimbursement in a future calendar year depends on your specific FSA provider’s policy. Most plans require that purchases be made and submitted within the coverage period—for example, a 2025 FSA typically covers expenses made during that year. However, some providers may offer more flexibility. We recommend reviewing your plan’s guidelines to confirm.

Note: Health Savings Accounts (HSAs) are different and generally allow reimbursements at any time, including future years.

Can old (non-Flex) customers use their order confirmation email to apply for HSA/FSA reimbursement?

If you didn’t use Flex at checkout to generate an itemized receipt, reimbursement may be more challenging.For Health Savings Accounts (HSAs), you're usually able to submit an itemized receipt for reimbursement at any time, even years after the purchase.For Flexible Spending Accounts (FSAs), most plans require that the purchase be made during the same calendar year the funds were available, as FSA funds typically don’t carry over. However, some plans offer a grace period or buffer window, allowing extra time to submit receipts for eligible expenses from the previous year.

For more information, check out Flex's FAQs or reach out to support@withflex.com.