How to Use Your FSA or HSA at American Wellness Authority

AWA and FSA/HSA: Everything You Need to Know

American Wellness Authority accepts FSA (Flexible Spending Account) and HSA (Health Savings Account) payments directly at checkout. This page covers how to complete your purchase using pre-tax health funds, what to do if you encounter any issues, and why using FSA/HSA for your AWA device is one of the most financially smart health investments you can make.

Which AWA Products Are FSA/HSA Eligible?

All AWA red light therapy devices qualify as FSA/HSA eligible medical equipment when purchased for a qualifying therapeutic purpose:

• AWA FX300 — compact red and near-infrared therapy panel; eligible for pain management, skin therapy, and targeted treatment applications
• AWA FX500 — full-size panel; eligible for muscle recovery, full-body pain management, and comprehensive phototherapy
• AWA LX300 — higher-output compact panel; same eligibility as FX300
• AWA LX500 — highest-output full panel; same eligibility as FX500
• AWA HL300 — scalp helmet for hair growth; eligible as FDA-category phototherapy device for androgenetic alopecia (a recognized medical condition)

Why These Devices Qualify

FSA and HSA funds can be used for expenses that "diagnose, cure, mitigate, treat, or prevent disease, or affect any structure or function of the body" (IRS Publication 502). Red light therapy devices satisfy this standard on multiple fronts:

• The FDA recognizes red/NIR light therapy for pain relief (minor muscle and joint pain, arthritis, muscle spasm)
• FDA-cleared photobiomodulation devices exist for hair loss treatment — a recognized medical indication
• Light therapy equipment is a well-established category of FSA/HSA-eligible medical devices
• Clinical evidence supports use for wound healing, inflammatory skin conditions, and musculoskeletal pain

How to Pay at Checkout

Using Your FSA/HSA Debit Card

1. Add your AWA device to cart and proceed to checkout at awarlt.com
2. Select "Credit/Debit Card" as your payment method
3. Enter your FSA or HSA card details — these cards look and function like standard Visa or Mastercard debit cards
4. Complete your order. The card is charged directly; no additional steps required.

Most transactions process seamlessly. AWA is recognized as a health and wellness retailer by major FSA card networks.

If Your FSA Card Is Declined

Occasionally, FSA cards decline transactions if the merchant's category code isn't on the card's pre-approved list. If this happens:

1. Complete your purchase with a regular credit or debit card
2. Save your AWA order confirmation email and/or invoice
3. Log in to your FSA administrator's online portal
4. Submit a reimbursement claim, attaching your order receipt as documentation
5. Funds are typically returned to your linked bank account within 3–7 business days

This reimbursement path works for all FSA and HSA plans — it's the same process used for any eligible expense paid out-of-pocket.

Getting a Letter of Medical Necessity (LMN)

Some FSA plans, particularly for larger employers, require a Letter of Medical Necessity for devices that aren't automatically pre-approved. An LMN is a brief letter from your doctor or healthcare provider confirming that the device is recommended for a specific health condition.

Ask your physician to write a note recommending red light therapy for your condition — whether that's chronic back pain, arthritis, hair loss, a skin condition, or post-injury recovery. Most physicians are familiar with this type of letter and can produce it quickly. Submit it alongside your reimbursement claim.

FSA vs. HSA: Which Should You Use?

Use FSA Funds First (If You Have Both)

If you have both an FSA and HSA, spend FSA funds first. FSA accounts are typically "use it or lose it" — funds that aren't spent by your plan's year-end deadline (usually December 31, sometimes March 15 of the following year with a grace period) are forfeited. HSA funds roll over indefinitely.

HSA as a Long-Term Health Investment

HSA funds grow tax-free and can be invested once a balance threshold is reached (typically $1,000–$2,000 depending on your plan). There's a case for letting HSA funds accumulate and invest, then using them for larger health expenses. However, using HSA to buy a device that saves you money on ongoing health costs (reduced pain medications, fewer clinic visits for conditions RLT addresses) is a sound use of those funds.

The Real Cost After FSA/HSA Savings

Pre-tax FSA/HSA spending creates a meaningful effective discount:

• In the 22% federal tax bracket + 7.65% FICA + 5% average state tax = ~35% combined tax rate
• Every $100 of FSA/HSA spending saves you approximately $35 in taxes
• An AWA FX500 priced at $499 costs effectively ~$324 after FSA/HSA tax savings at 35%

This is the equivalent of a permanent 35% sale exclusively for FSA/HSA users — available any time of year, not just during promotions.

Contact Us with FSA/HSA Questions

If you have questions about FSA/HSA eligibility for specific AWA products, or need documentation like an itemized receipt for your reimbursement claim, contact AWA customer support. We're familiar with FSA/HSA requirements and can provide whatever documentation your plan administrator needs to process your claim.

Don't let pre-tax health dollars go to waste — put them to work with a device that delivers measurable, ongoing health benefits every day you use it.