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Last Updated October 19, 2026
Yes, you can buy a mattress with your FSA or HSA funds, and it’s not as complicated as many think. The IRS calls mattresses a "dual-purpose" item. They serve an everyday function, but a licensed provider can determine whether one is medically necessary for you. If so, you receive a Letter of Medical Necessity ("LMN" for short), after which the purchase becomes eligible for FSA/HSA spending.
At Turmerry, we’ve built this process directly into checkout through our partner Truemed, so qualified customers can use their pre-tax dollars without leaving the store. Qualified customers save an average of 30% by paying with pre-tax FSA/HSA dollars.
In this article, we’ll go over how the process works, why mattresses qualify for FSA/HSA spending, which Turmerry mattresses are eligible, and what to do if your FSA deadline is coming up.
[See all FSA & HSA eligible products]
Key Takeaways:
You can use your Flexible Spending Account (FSA) or Health Savings Account (HSA) funds in two ways to buy a new mattress:
Truemed is a telehealth platform that connects shoppers with licensed healthcare providers at checkout. You complete a short private health survey, a provider reviews it, and if you qualify, you receive a Letter of Medical Necessity (LMN) by email, usually within 24 hours. The LMN makes your mattress purchase eligible under IRS rules.
As a Truemed partner merchant, Turmerry has Truemed built directly into our checkout. You don’t need to arrange anything in advance or visit a doctor separately. Once you receive your LMN, you can pay with your FSA/HSA card directly, split the payment, or pay with a regular credit card and submit for reimbursement later.
For more information about Truemed and LMN, see:
How Does Truemed Work for FSA & HSA Mattress Purchases?
If you already have a doctor who knows your health history, you can ask them to write a Letter of Medical Necessity directly. Take it to your FSA/HSA plan administrator, along with your receipt, and submit it for reimbursement. This path is more time-consuming, but works just as well if you’d prefer to go through your own provider.
Either way, the Letter of Medical Necessity is the key. Without one, a mattress purchase isn’t eligible for FSA/HSA reimbursement, regardless of how you pay for it.
The IRS divides medical expenses into two categories.
Because a mattress has an obvious non-medical use, the IRS doesn’t automatically approve it as a qualified medical expense the way it would a prescription. Instead, eligibility depends on a licensed provider determining that the mattress is medically necessary for a specific person, and then documenting that determination in a Letter of Medical Necessity (LMN).
The LMN also affects how much of the purchase is eligible. With a clearly medical item, the full cost is typically reimbursable. With a dual-purpose item like a mattress, only the portion tied to the medical need is eligible, not necessarily the full price. Truemed calculates that portion for you based on the provider’s determination.
That is why the survey you take at checkout is important. It decides whether your mattress purchase qualifies as a treatment for a diagnosed medical condition, and for how much.
All Turmerry mattresses are eligible for qualified customers through Truemed. We use high-quality materials, including GOLS-certified organic latex sourced from Sri Lanka, sturdy steel pocket coils (for our hybrids), a layer of natural New Zealand wool for fire resistance, and a breathable organic cotton cover.
All of the above are eligible for qualified customers through Truemed. Add any of them to your cart and choose Truemed at checkout to start the process.
Latex is made from the sap of rubber trees, and that gives it a very interesting property memory foam cannot match: natural responsiveness.
When you lie down on a latex mattress, it compresses under your weight and springs back immediately. It does not need time to recover the way memory foam does. That's what makes latex supportive. Plus, latex contours well enough to relieve pressure at the body’s heaviest points, so it doesn't feel too firm either.
In short, latex balances support and pressure relief better than most other mattresses. It's one of the few materials that doesn't trade one for the other. And its responsive quickness means you won't struggle when moving around in bed.
During manufacturing, latex is poured in a pin-core mold, which adds small perforations throughout the layer for additional airflow. Combined with an organic cotton cover and a layer of natural New Zealand wool, the result is a mattress that stays cool, adapts well to your body, and lasts 15-20 years with proper care.
Most FSA plans run on the calendar year, so any unspent balance is forfeited on December 31. Some plans offer a short grace period through mid-March, or allow a small carryover, but most don’t. According to Truemed’s data, 47% of FSA holders forfeit money every year. That’s pre-tax money you already earned, gone for nothing.
If your FSA deadline is coming up and you’ve been thinking about getting a new mattress, now is the time to act. The Truemed process takes about two minutes for the health survey, plus up to 24 hours for a provider review and your LMN to arrive. Add in shipping time, and cutting it close in late December is a risk you don’t need to take.
A few things to do before the deadline:
Disclaimer: What is said in this article has been referenced from multiple sources and is intended only for educational and informational purposes. Please note that no content in this article is a substitute for professional advice from a qualified doctor or healthcare provider. Always consult an experienced doctor with any concerns you may have regarding a health condition or treatment, and never disregard any medical suggestions or delay in seeking treatment because of something you read here.
