💡 Quick Answer: Eight Sleep is HSA/FSA eligible because it helps prevent, manage, and reverse a variety of health conditions including sleep disorders, insomnia, and temperature regulation issues, and many others. According to IRS Publication 502, all you need is a Letter of Medical Necessity.
Luckily, we make it ridiculously simple. Crates Health is the fastest way to get your personalized and compliant letter for Eight Sleep and thousands of other wellness products, plus we handle your reimbursements directly through our platform with just one click.
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What is Eight Sleep
Eight Sleep is the intelligent mattress system that’s basically climate control for your bed, and it’s backed by some serious sleep science. The Pod system uses a network of water tubes to heat or cool each side of your bed anywhere from 55°F to 110°F, while continuously tracking your heart rate, HRV, respiratory rate, and sleep stages without any wearables. Think of it as having a personal sleep coach that automatically adjusts your temperature throughout the night based on your sleep cycles and recovery needs.
What makes Eight Sleep revolutionary isn’t just the temperature control (though ending thermostat battles with your partner is pretty great), it’s the clinical results: users see up to 27% more deep sleep and dramatically improved recovery scores. The system includes features like snoring detection with automatic head elevation, gentle vibration wake-ups during light sleep phases, and detailed health insights that rival medical-grade sleep studies. With endorsements from neuroscientists like Matthew Walker and Andrew Huberman, Eight Sleep has become the gold standard for people serious about optimizing their sleep and recovery.
Why Eight Sleep Qualifies for HSA/FSA
According to IRS regulations, gym memberships can qualify as eligible medical expenses with a Letter of Medical Necessity under specific circumstances outlined in Publication 502.
IRS Publication 502 states that medical expenses are “the costs of diagnosis, cure, mitigation, treatment, or prevention of disease, and for the purpose of affecting any part or function of the body,” but “must be primarily to alleviate or prevent a physical or mental condition or illness.”
This means Eight Sleep can qualify for HSA/FSA reimbursement for prevention or treatment of:
- Sleep disorders and insomnia
- Sleep apnea and snoring disorders
- Night sweats and temperature regulation issues
- Chronic fatigue syndrome
- Depression and anxiety disorders
- Cardiovascular disease and heart conditions
- Chronic pain and recovery issues
- Hormonal disorders affecting sleep
The key requirement is that your healthcare provider must note the sleep optimization and temperature regulation technology as medically necessary for managing your specific health condition, not just for general comfort. This documentation comes in the form of a Letter of Medical Necessity (LMN).
How to Assess Your Eligibility
Traditional Route: Schedule an appointment with your primary care physician, discuss your health conditions and fitness goals, and request a Letter of Medical Necessity if exercise is recommended as part of your treatment plan. This typically requires an office visit, potential wait times, and can cost $50-100+ depending on your insurance.
Faster, Smarter Route: Use Crates Health to get your Letter of Medical Necessity online in just a few minutes. Our platform connects you with licensed healthcare providers who can evaluate your conditions remotely and issue the appropriate documentation if you qualify. No office visits, no waiting weeks for appointments, and no surprise medical bills.
Frequently Asked Questions
Do other sleep technology and mattress systems qualify for HSA/FSA?
Absolutely! With the right medical documentation, you can potentially use HSA/FSA funds for other smart mattresses, sleep monitoring devices, CPAP machines, and sleep optimization technology, as long as they’re recommended for treating specific medical conditions.
How does reimbursement work?
Some retailers accept HSA/FSA cards (most don’t though). When they don’t, you need to use your personal card and then reimburse yourself. This means finding and storing receipts and then uploading them and your LMN to your HSA/FSA admin portal. With Crates, we make this process simple: upload your receipt and get one click reimbursements all from our platform.
What is a Letter of Medical Necessity?
A Letter of Medical Necessity (LMN) is a document from a licensed healthcare provider that explains why a specific expense like your Eight Sleep system is medically necessary for treating a diagnosed condition. It’s the official paperwork that proves your sleep technology isn’t just for comfort. Each LMN typically remains valid for 12 months from the date of issue.
Will my claim get denied?
Every HSA/FSA admin is unique and may initially deny some claims. Usually, it is related to receipt format (must be itemized), LMN format, or other supporting documentation. With Crates, we will support you through this process and make sure you get your money back.
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