What Is BedJet
BedJet is the bedside air system with a hose that slips under your covers. A small unit sits beside or beneath the bed, moving room air through your bedding to carry away trapped warmth and moisture. You keep your existing mattress and adjust the airflow with a remote or phone.
The BedJet 3 serves a whole bed, while the smaller BedJet 3 Mini is designed for a twin bed or one side of a larger bed. Their regular U.S. prices are about $699 and $659. A Dual Zone setup gives each sleeper separate temperature controls.
BedJet describes cooling, warming and overnight temperature schedules as its core functions. Its cooling uses the air already in your room; it works best in a bedroom below about 79°F. That makes the relevant health question specific: does heat or sweating interrupt your sleep because of a condition your provider can document? Our bedding eligibility guide covers the wider bedding category.
Why BedJet Qualifies for HSA/FSA
BedJet qualifies when a licensed provider documents its medical purpose in a Letter of Medical Necessity. The letter connects bed temperature control to preventing or managing your specific health condition.
IRS Publication 502 states: “Medical care expenses must be primarily to alleviate or prevent a physical or mental disability or illness.” A licensed provider connects BedJet to your condition in your letter, and that is what makes it HSA/FSA eligible.
A review in the Journal of Physiological Anthropology found that heat exposure during sleep increases wakefulness and reduces slow-wave and REM sleep. The condition and the reason for temperature control belong together in your letter:
- Menopausal hot flashes. Mayo Clinic suggests keeping cool and using a fan to help manage hot flashes. Your provider can document nighttime hot flashes and the need for cooling airflow in bed.
- Insomnia worsened by overheating. MedlinePlus advises a cool bedroom as part of managing insomnia. When heat keeps you awake, your letter can explain how controlling the temperature under your covers fits your sleep plan.
- Hyperhidrosis with night sweats. Cleveland Clinic includes hyperhidrosis among causes of night sweating and recommends a bedroom fan as a home measure. Your provider can connect overnight airflow and moisture removal to the sweating you experience.
- Cancer-treatment-related hot flashes. The American Cancer Society recommends a cool room and cooling bedding for hot flashes associated with cancer therapies. Your letter can name these nighttime symptoms and the cooling setup recommended to help manage them.
How to Get BedJet Covered With a Letter of Medical Necessity
There are two ways to get a Letter of Medical Necessity for your BedJet system:
- Through Crates, typically in under 24 hours. Fill out the online health assessment, which takes 2 to 3 minutes. A licensed provider reviews it, and if you qualify, your letter is issued for the BedJet system. The letter renews each year and is valid for 12 months at a time.
- Through your own doctor, a few days to a few weeks. Book a visit with the provider you see for your condition. Ask them to document how bed cooling helps prevent, manage, or reverse it for HSA/FSA use, and make sure the letter is signed and dated. That visit can come with a copay.
How to Buy BedJet With HSA/FSA Funds
Buy the BedJet setup your letter names from any retailer, then get your HSA/FSA money back. Our HSA vs. FSA guide explains the differences between the accounts.
- Get your Letter of Medical Necessity first. Go through Crates or your own doctor, the two routes above, to document your condition and the bed cooling system you need.
- Buy BedJet anywhere. Pay with your personal card, online or in store, and keep an itemized receipt showing the model, date and amount paid.
- Get your funds back. Crates one-click reimbursement can file the claim for you, or upload the letter and receipt yourself. If you used an HSA, keep the letter and receipt with your tax records.
Which BedJet Models Qualify
BedJet's climate systems qualify with an LMN naming the setup needed for your condition. Whole-bed coverage and separate controls help you choose the configuration; the letter's documented medical purpose determines eligibility.
| BedJet system | Intended setup | Approximate regular U.S. price | HSA/FSA eligibility |
|---|---|---|---|
| BedJet 3 Mini | Twin bed or one side of a larger bed | $659 | Yes, with an LMN |
| BedJet 3 | Whole-bed airflow | $699 | Yes, with an LMN |
| BedJet Dual Zone System for Couples | Separate controls for each side, queen configuration | $1,549 | Yes, with an LMN |
Regular prices checked October 18, 2026, on BedJet's Mini, BedJet 3 and Dual Zone pages. The Dual Zone package includes two units. For other sleep devices, see our sleep technology eligibility guide.
