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Last Updated October 22, 2026
Yes, a mattress topper is FSA and HSA eligible for qualified customers. The process works the same way it does for a mattress, and qualified customers save an average of 30% by paying with pre-tax dollars.
Mattress toppers are what the IRS calls "dual-purpose" items: they serve an everyday function, but a licensed provider can determine whether one is medically necessary for you. When that happens, the purchase becomes eligible for FSA/HSA spending through a Letter of Medical Necessity (LMN).
At Turmerry, we’ve built this process into checkout through our partner Truemed. If you’ve been sitting on unspent FSA/HSA funds, a topper is one of the best ways to use them. It costs a fraction of a full mattress, and the same qualification process applies.
[See all FSA & HSA eligible products]
Key Takeaways:
Buying a mattress topper with FSA/HSA funds works the same way as buying a mattress. You can do it two ways:
Truemed is available directly at our checkout. Add your topper to the cart, select Truemed at checkout, and complete a short private health survey. A licensed provider reviews it, and if you qualify, you receive a Letter of Medical Necessity by email (usually within 24 hours). From there, you can pay directly with your FSA/HSA card, split the payment, or pay with a regular card and submit for reimbursement later.
For a full walkthrough of how Truemed works, see:
How Does Truemed Work for FSA & HSA Mattress Purchases?
If you’d prefer to go through your own physician, you can ask them to write a Letter of Medical Necessity for you directly. Take it to your FSA/HSA plan administrator, along with your receipt, and submit it for reimbursement.
Either way, the LMN is what makes the purchase eligible. Without one, a mattress topper isn’t eligible for FSA/HSA reimbursement regardless of how you pay.
Using Truemed at Turmerry doesn’t add anything to the cost of your topper. There’s a small fee charged by Truemed at the end of the health survey. This goes to Truemed, not Turmerry, and covers the cost of the licensed provider review.
From there, you have three payment options:
Important note: Only the portion of the topper price tied to the medical need is eligible for reimbursement, not necessarily the full amount. Truemed calculates that portion for you based on the provider’s determination.
Coupons and sale discounts stack with Truemed, so you can apply any coupon in your cart first, then select Truemed at checkout. Qualified customers save an average of 30% by paying with pre-tax FSA/HSA dollars.
Truemed is for qualified customers. HSA/FSA tax savings vary.
Learn more at truemed.com/disclosures.
All Turmerry mattress toppers are eligible for qualified customers through Truemed. We use high-quality organic latex from Sri Lanka, certified by GOLS, OEKO-TEX, eco-INSTITUT, FSC, and LGA.
Add your favorite topper to your cart, then choose Truemed at checkout to get started.
See all FSA & HSA eligible products
Latex is made from the sap of rubber trees, which gives it natural springiness that synthetic materials can’t replicate. It compresses under your weight and springs back immediately, unlike memory foam, which recovers slowly and leaves you feeling stuck.
Latex also relieves pressure without sacrificing support, whereas memory foam contours well but can let you sink too far, which affects your spinal alignment over time.
Beyond comfort and support, latex is more breathable and long-lasting. Its open-celled structure lets air move through it freely. We also add small perforations throughout the topper for extra airflow. With proper care, a quality latex topper will last you 5+ years.
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.
A mattress topper is one of the best ways to use your remaining FSA funds before the deadline. It improves your current bed for a fraction of the cost of a new one, and it's no more complicated than buying a mattress with FSA.
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.
