Unlock Tax-Free Savings: Using Your HSA/FSA for Oyster Wellness Products with TrueMed

Investing in your health and wellness shouldn't break the bank. If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you may be sitting on pre-tax dollars that can help you save up to 30-40% on wellness purchases—including our ergonomic furniture. We're excited to announce our partnership with TrueMed, which makes it easy for you to use your HSA/FSA funds to invest in products that support your long-term health and well-being.

What Are HSA and FSA Accounts?

Before diving into how you can use these accounts at Oyster Wellness, let's break down the basics:

Health Savings Account (HSA)

An HSA is a tax-advantaged account available to individuals enrolled in a high-deductible health plan (HDHP). Here's what makes it powerful:

• Contributions are tax-deductible: For 2025, individuals can contribute up to $4,150 pre-tax, or $8,300 for families (with an additional $1,000 for those 55+)
• Funds roll over year after year: Unlike FSAs, your HSA balance never expires
• Triple tax advantage: Tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses
• You own it: Your HSA stays with you even if you change jobs

Flexible Spending Account (FSA)

An FSA is an employer-sponsored account that lets you set aside pre-tax dollars for eligible healthcare expenses:

• Contributions for 2025: Individuals can contribute up to $3,200 pre-tax per year
• Use-it-or-lose-it: FSA funds typically do not roll over at year-end, so it's important to spend them before December 31st
• Immediate tax savings: Like HSAs, you're using pre-tax dollars, giving you more purchasing power

Why Use HSA/FSA Funds for Wellness Products?

Traditionally, HSA and FSA funds have been used for doctor visits, prescriptions, and basic medical supplies. However, these accounts were designed for expenses that prevent, treat, or mitigate diagnosed medical conditions. With the rise of preventive health approaches, more wellness products now qualify—including ergonomic furniture that supports posture, reduces pain, and prevents chronic conditions.

The key? You need a Letter of Medical Necessity (LMN) from a licensed medical provider stating that the purchase is required to treat, prevent, or mitigate a specific health condition. This is where our partnership with TrueMed comes in to make the process simple and seamless.

What Is TrueMed?

We've partnered with TrueMed to make it simple for you to use your HSA/FSA funds on our products. TrueMed works with a network of licensed medical practitioners who can evaluate your eligibility and issue Letters of Medical Necessity to qualifying customers.

How TrueMed Works:

1. Complete a Quick Health Survey: When you're ready to purchase, you'll complete a brief health questionnaire that assesses your health needs and conditions
2. Get Matched with a Licensed Provider: TrueMed connects you with a licensed medical practitioner who reviews your responses
3. Receive Your Letter of Medical Necessity: If you qualify, you'll receive an LMN within 24-48 hours that designates your purchase as a qualified medical expense
4. Pay with Pre-Tax Dollars: Use your HSA/FSA card at checkout, or pay with a credit card and submit for reimbursement later

This process transforms your purchase into a legitimate medical expense—just like a doctor's visit or prescription medication.

About Our Oyster Meditation Chair

At Oyster Wellness, we create award-winning ergonomic furniture designed to support your body's natural alignment and promote long-term wellness. Our flagship product, the Oyster Meditation Chair, was born from a collaboration between our designer Alex Muradian and exercise physiologist Jesse Schwartzman, MS, RD, ACSM CPT.

What Makes the Oyster Meditation Chair Special?

The Oyster Meditation Chair is more than just a meditation cushion—it's a scientifically-designed solution for:

• Active sitting that engages your core: Unlike traditional seating that locks your body into passive, rigid positions, the Oyster encourages gentle movement
• Proper spinal alignment: The seat's unique shape helps stack the head, shoulders, and hips naturally, maintaining your lumbar spine's optimal curve
• Reduced pressure on joints: With knees positioned below the hips and external hip rotation, you experience less stress on your lower back, hips, and knees
• Improved comfort for extended sessions: Whether you're meditating, working at a desk, reading, or stretching, the Oyster supports you for hours without discomfort

Our chair won Best of Year in Interior Design Magazine for 2023 and is proudly handcrafted in our Westhampton Beach, New York studio.

Who Benefits from the Oyster Meditation Chair?

• Meditation practitioners seeking comfortable, proper alignment for extended sitting
• Office workers looking for an ergonomic alternative to traditional desk chairs
• Individuals with reduced hip flexibility who struggle with traditional floor sitting
• Anyone managing back, hip, or knee pain who needs supportive seating
• Wellness enthusiasts committed to preventive health through better posture

How to Purchase with Your HSA/FSA

Ready to invest in your wellness while maximizing your tax savings? Here's how to use TrueMed when shopping with us:

Step-by-Step Process:

1. Confirm You Have an HSA/FSA: Check with your employer's benefits coordinator or review your enrollment documents to verify you have an active account

2. Browse Our Products: Select the Oyster Meditation Chair or other products you're interested in

3. Look for TrueMed at Checkout: Select TrueMed as your payment option during checkout

4. Complete the Health Survey: You'll be redirected to TrueMed's website to answer questions about your health conditions and how the product will support your wellness goals

5. Choose Your Payment Method:

   • Option A: Pay directly with your HSA/FSA debit card
   • Option B: Pay with a regular credit/debit card and submit for reimbursement later

6. Receive Your LMN: A licensed medical provider will review your responses and issue your Letter of Medical Necessity if you qualify

7. Keep Your Documentation: Save your LMN and receipt for your records in case your HSA/FSA administrator requests proof

What If You're Not Approved?

If you don't qualify for an LMN based on your health survey responses, don't worry—you can still purchase our products at regular price, or you can cancel your order if you prefer. TrueMed's qualification process protects you from accidentally using HSA/FSA funds on non-eligible expenses, which could trigger taxes and penalties.

The Financial Benefits: Real Savings

Using your HSA/FSA funds through TrueMed can result in significant savings:

• Average savings: 30-40% off the purchase price
• How it works: Since you're using pre-tax dollars, you avoid paying federal income tax (and often state tax) on that money
• Example: If you're in the 24% federal tax bracket and purchase an Oyster Meditation Chair for $500, you could save approximately $120-200 depending on your state taxes

Think of it this way: instead of earning money, paying taxes on it, and then buying wellness products, you're buying those products with money that was never taxed in the first place.

Important Things to Remember

For FSA Holders:

• Use it or lose it: FSA funds typically expire at the end of the year (December 31st), so don't let your hard-earned benefits go to waste
• Plan ahead: If you've been considering an ergonomic upgrade, the end of the year is the perfect time to use remaining FSA dollars

For HSA Holders:

• No expiration: Your HSA funds roll over indefinitely, so there's no rush—but why wait to invest in your health?
• It's your money: Even if you change jobs, your HSA comes with you

General Tips:

• Keep your documentation: Always save your LMN and purchase receipt in case your administrator requests proof
• Check your plan details: Some HSA/FSA plans have restrictions on specific categories of reimbursement
• LMNs are valid for 12 months: You typically don't need to requalify for a full year after receiving your initial Letter of Medical Necessity
• Contact TrueMed for help: If you experience any issues with your claim, reach out to TrueMed's support team at support@truemed.com

Why Invest in Ergonomic Wellness?

Chronic pain, poor posture, and sedentary lifestyles are among the leading causes of preventable health problems in the United States. Research consistently shows that:

• Poor posture contributes to back pain, neck strain, and reduced mobility
• Sedentary behavior increases the risk of cardiovascular disease, diabetes, and obesity
• Preventive interventions—like ergonomic furniture—can reduce healthcare costs long-term

By investing in products like our Oyster Meditation Chair, you're not just buying furniture—you're making a proactive investment in your long-term health. And with HSA/FSA funds, you can make that investment with pre-tax dollars that would otherwise sit unused or go to waste.

The Bottom Line

Your HSA and FSA accounts are valuable tools designed to help you invest in your health. Thanks to our partnership with TrueMed, you can now use those pre-tax dollars on ergonomic furniture that supports proper posture, reduces pain, and promotes overall wellness.

Whether you're a dedicated meditator, a remote worker seeking better desk ergonomics, or someone managing chronic discomfort, our Oyster Meditation Chair offers a science-backed solution. And with TrueMed making the HSA/FSA process seamless, there's never been a better time to prioritize your health—while keeping more money in your pocket.

Ready to get started? Browse our products and select TrueMed at checkout to see if you qualify for HSA/FSA savings.

Disclaimer: This blog post is for informational purposes only and should not be considered medical or financial advice. Always consult with your healthcare provider and HSA/FSA administrator to confirm eligibility for specific purchases. Eligibility for HSA/FSA reimbursement is determined by your plan administrator and is not guaranteed.