Use Your HSA or FSA for Red Light Therapy & PEMF Devices — and Save Up to 40%
If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you may be able to use those pre-tax dollars to purchase Hooga red light therapy panels, PEMF mats, sauna blankets, and pods. Through our partnership with TrueMed, qualifying customers can pay for Hooga products with their HSA or FSA funds — meaning you get the same devices at a real, meaningful discount simply by using money you've already set aside for health expenses.
Note: All prices mentioned in this article are as of March 25, 2026 and are subject to change. Visit hoogahealth.com for current pricing.
This guide explains how HSA and FSA accounts work, why red light therapy and PEMF devices can qualify as eligible expenses, how the checkout process works at Hooga Health, and which products are covered. If you've been considering investing in a wellness device, this could be the most practical reason to do it now.
What Are HSA and FSA Accounts?
HSAs and FSAs are tax-advantaged accounts that allow you to set aside pre-tax income to pay for qualifying health expenses. Because the money goes in before taxes are taken out, every dollar you spend from these accounts goes further than a dollar spent from your regular paycheck.
Health Savings Account (HSA)
- Available to individuals enrolled in a high-deductible health plan (HDHP)
- Funds roll over year after year — there's no "use it or lose it" rule
- 2025 contribution limits: up to $4,300 for individuals, $8,550 for families
- Can be invested and grow tax-free over time
Flexible Spending Account (FSA)
- Available through most employer benefit plans, regardless of health plan type
- Funds generally expire at the end of each plan year (use it or lose it)
- 2025 contribution limit: up to $3,300 per year
- Open enrollment typically happens in October–November for the following year
Both accounts are funded with pre-tax dollars, which is where the savings come from. If you're in the 22% federal tax bracket, every $100 you spend from your HSA or FSA only costs you about $78 in actual take-home income — and that's before factoring in state income taxes.
Can You Use HSA or FSA Funds for Red Light Therapy and PEMF Devices?
The short answer: yes, for qualifying customers — and here's how that works.
The IRS defines eligible medical expenses under IRS Publication 502 as expenses for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for affecting any structure or function of the body. Red light therapy and PEMF (pulsed electromagnetic field) devices can fall into this category when they are recommended by a licensed healthcare provider as part of a personal wellness or care plan tied to a specific health need.
Because these devices are also used for general wellness purposes, HSA and FSA administrators often require a Letter of Medical Necessity (LMN) — a formal document from a licensed practitioner stating why the device is appropriate for your individual health needs. This is exactly where TrueMed comes in.
What Is a Letter of Medical Necessity?
A Letter of Medical Necessity is a document written by a licensed healthcare provider that explains why a specific product or service is appropriate for your health. It's commonly required for products that have both wellness and medical applications. The LMN links the device to your personal health context, satisfying the requirements of your HSA or FSA plan administrator.
With TrueMed, you don't need to track down your own provider or deal with paperwork yourself. TrueMed's network of independent, licensed clinicians reviews a short health intake survey you complete at checkout and, for qualifying customers, issues the LMN directly to you — typically within 24–48 hours.
Important note: Not every customer will qualify. Eligibility is determined by TrueMed's licensed clinicians based on your individual health survey. If you do not qualify, the transaction is reversed and you can complete the purchase with a standard payment method.
How to Pay with HSA or FSA at Hooga Health: Step-by-Step
The process is straightforward. Here's exactly how it works:
- Add your products to your cart. Browse the full range of Hooga red light therapy panels, PEMF mats, pods, and sauna blankets.
- Proceed to checkout — do not use accelerated checkout. Skip the express buttons (Shop Pay, PayPal, etc.) and click the standard checkout button so TrueMed appears as a payment option.
- Select TrueMed as your payment method. You'll see TrueMed listed alongside standard payment options at checkout.
- Complete a short health intake survey. TrueMed will walk you through a brief health questionnaire. This information is reviewed by a licensed clinician to determine eligibility.
- Pay with your HSA or FSA card — or request reimbursement. You can pay directly with your HSA/FSA debit card, or use a regular credit card and submit for reimbursement once your LMN is issued.
- Receive your Letter of Medical Necessity. If approved, TrueMed sends your LMN within 24–48 hours. Keep it on file — your HSA/FSA administrator may request it, and you should retain it for at least three years.
That's it. No separate forms to fill out, no calls to make, no separate reimbursement process to navigate on your own. Visit the Hooga HSA/FSA eligibility page for full details and to get started.
How Much Can You Save? Example Calculations
The savings are real and they add up quickly. Because HSA and FSA funds come from pre-tax income, using them is equivalent to getting a discount equal to your combined federal and state tax rate. Most qualifying customers save between 30% and 40%.
| Product | Price | Savings at 22% bracket | Savings at 32% bracket | Effective Cost |
|---|---|---|---|---|
| HG200 Red Light Panel | $149 | ~$33 | ~$48 | $101 – $116 |
| HG500 Red Light Panel | $359 | ~$79 | ~$115 | $244 – $280 |
| PEMF Belt | $249 | ~$55 | ~$80 | $169 – $194 |
| PEMF Full Mat | $699 | ~$154 | ~$224 | $475 – $545 |
| PRO750 Red Light Panel | $599 | ~$132 | ~$192 | $407 – $467 |
| PRO1500 Red Light Panel | $1,199 | ~$264 | ~$384 | $815 – $935 |
| Sauna Blanket | $399 | ~$88 | ~$128 | $271 – $311 |
Note: Savings estimates are based on federal tax brackets only. Adding state income tax rates increases your total savings. Consult a tax advisor for guidance specific to your situation.
Which Hooga Products Are HSA/FSA Eligible?
All Hooga devices in the categories below are eligible for HSA/FSA purchase through TrueMed, for qualifying customers:
Red Light Therapy Panels
- HG Series — Entry-level panels ideal for targeted use; prices from $149 (HG200) to $899 (HG1500)
- PRO Series — Dual-chip panels with higher irradiance output; prices from $599 (PRO750) to $3,099 (PRO4500)
- ULTRA Series — Quad-chip panels with four wavelengths (630/660/810/850nm); prices from $419 (ULTRA360) to $5,000 (ULTRA5400)
PEMF Devices
- PEMF Belt — $249 | Compact, 1-core design for targeted use
- PEMF Chair Mat — $349 | 2-core design for seated sessions
- PEMF Full Mat — $699 | 6-core full-body mat
- Chakra PEMF Mat — $799 | 8-core mat with full-body coverage
Pods & Sauna Products
- Blanket Pod — $1,199
- Full Body Pod — $1,399
- Sauna Blanket — $399
- SaunaPRO Panel — $1,199
Browse all eligible products and start the checkout process at the Hooga HSA/FSA eligibility page.
Frequently Asked Questions
Do I need a prescription to use my HSA or FSA at Hooga?
You do not need a prescription from your own doctor. TrueMed's network of licensed clinicians reviews your health intake survey at checkout and, for qualifying customers, issues a Letter of Medical Necessity on your behalf. You do not need to arrange anything before visiting the site.
What if I don't have enough in my HSA or FSA to cover the full purchase?
You generally need sufficient funds in your account to cover the transaction. If your balance doesn't cover the full amount, you may be able to request a split invoice, but this depends on your account administrator. Alternatively, you can use a regular credit card and submit for reimbursement using the LMN once it's issued.
What's the difference between direct HSA/FSA payment and reimbursement?
With direct payment, you use your HSA or FSA debit card at checkout through TrueMed — the funds come straight out of your account. With reimbursement, you pay with a regular credit or debit card and then submit the receipt and LMN to your HSA or FSA administrator to get the money back. Both paths lead to the same tax savings; the reimbursement route just takes a few extra days.
How long does it take to receive the Letter of Medical Necessity?
TrueMed typically issues your LMN within 24–48 hours of completing your health intake survey. If it doesn't arrive in your inbox within that window, check your spam folder or contact TrueMed support at support@truemed.com.
Is my information kept private?
Yes. TrueMed's health intake process is handled by independent, licensed clinicians and is conducted in compliance with applicable privacy standards. Your health information is used solely to determine HSA/FSA eligibility and to generate your Letter of Medical Necessity.
Can I use my HSA or FSA if I'm self-employed?
If you have an HSA from a previous employer or opened one as part of a qualifying high-deductible health plan, yes. However, self-employed individuals without an existing HSA or FSA account are generally not able to open a new FSA on their own, as FSAs are typically employer-sponsored. Check with a benefits advisor if you're unsure about your eligibility.
Do FSA funds expire?
Yes. FSA funds generally expire at the end of your plan year, with some plans offering a short grace period or a limited rollover amount. If you have unspent FSA dollars, using them toward a Hooga device before the deadline is a smart way to put that money to work.
What if I'm not approved through TrueMed?
If TrueMed's clinicians determine that your purchase does not qualify as medically necessary based on your health intake, the transaction is reversed — no money is taken from your account. You can still complete the purchase using a standard payment method.
Start Saving Today
If you've been on the fence about adding red light therapy or a PEMF mat to your wellness routine, your HSA or FSA balance is one of the most practical reasons to move forward. The savings are significant — often $100 to $400 or more on a single purchase — and the process through TrueMed is straightforward.
Visit the Hooga HSA/FSA eligibility page to see all eligible products and begin the TrueMed checkout process. If you have questions about which device is right for you, our team is happy to help.