FREQUENTLY ASKED QUESTIONS
For more information, check out our FAQs below.
What is Flex and what is their relationship with 10X Health?
10X Health 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 qualifying 10X Health products with pre-tax dollars that you put into those accounts (up to certain limits established by the IRS), resulting in net savings of 30-40%. Savings amounts depend on your federal and state income tax brackets, which is determined by your annual taxable income
What is an HSA/FSA account?
Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are special tax-free accounts you can use to pay for qualified medical expenses, up to limits set by the IRS. These accounts are usually managed by an administrator and are often available through your employer.
An HSA is linked to a high-deductible health plan, and your balance stays with you — the funds never expire. An FSA is separate from your insurance plan, and you choose how much to contribute each year during your employer’s open enrollment period (usually in the fall). Unlike HSAs, FSA funds generally must be used by the end of the year or they’ll expire.
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. You will then be redirected to the Flex website. At that point, you will take a brief health survey to answer questions about your HSA/FSA and your health and complete checkout through Flex with your HSA/FSA card. If necessary and if you are eligible, you will receive a letter of medical necessity, based on your responses if you qualify. 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 handy, still select “Flex | Pay with HSA/FSA” as your payment method. Enter your credit card information and Flex will email you an itemized receipt to submit for reimbursement if you qualify.
Reimbursement is determined by the HSA/FSA administrator and is not guaranteed. Customers are directly responsible for any incurred return fees, which are not eligible for HSA/FSA funding or reimbursement.
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.
My purchase receipt from 10X Health has a different number than what my FSA was charged. How can we resolve it?
Thanks for reaching out, and apologies for the discrepancy. We’ll review the charges and get back to you with details of the likely refund shortly.
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 cards based on the items.
Can I use HSA/FSA funds for a past purchase?
No. You cannot apply your HSA/FSA funds to a past purchase. Please contact your HSA/FSA administrator directly to learn more about your eligibility.
I’ve used my HSA/FSA card in the past without going through Flex. Do I have to use Flex now?
No. While Flex is a convenient option for using HSA or FSA funds when purchasing online, it’s not the only way to do so. If you’re working with your 10X Wellness Advisor, you can often use your HSA or FSA card directly through them.
*Savings amounts depend on your federal and state income tax brackets, which is determined by your annual taxable income. Reimbursement is determined by the HSA/FSA administrator and is not guaranteed. Customers are directly responsible for any incurred return fees, which are not eligible for HSA/FSA funding or reimbursement.