In the US, health savings accounts (HSA) and flexible spending accounts (FSA) are programs that allow you to set aside money (before taxes) for eligible healthcare expenses.
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What is Eligible?
​​Making a Purchase
​​How do I submit purchases for indirect reimbursement?
​​How do I purchase directly with an FSA or HSA card?

Letter of Medical Necessity
​​What if I have problems using my FSA or HSA card?
​​What if I don’t have enough funds?
​​Return, Exchange, or Cancel Order
​​Return for refund
​​Cancel an order

Sika Health® makes the entire process of accepting HSA/FSA payments simple and easy. Their medical and legal experts work with appropriate authorities to determine the eligibility of Avocado products. The following Avocado products are HSA- and FSA-eligible items:

All other products are not currently eligible.

After purchasing from the Avocado online store, you can submit your order confirmation email to your HSA or FSA provider as proof of purchase.

Contact your HSA or FSA provider to ensure your purchase meets their requirements, as plan providers and employers can set their own eligibility rules. Sometimes, your HSA or FSA provider requires additional documentation for reimbursement.

If you are using FSA funds, your Avocado purchase must be made during your FSA plan year to be eligible for reimbursement. Some FSA providers may provide a grace period that extends beyond the plan year. Follow the below instructions for purchases from the Avocado online store.

You can order on the Avocado online store using your HSA or FSA card, just as you would with any other credit card.

Select HSA/FSA Cards when selecting a payment method during the checkout process.

Like a doctor's note, Sika may require an LMN or a Letter of Medical Necessity. A quick survey will see if you prequalify for a Letter of Medical Necessity from Sika. LMNs are issued by a healthcare provider to outline why a particular product or service is medically necessary for your health and qualifies the purchase to be HSA/FSA eligible. LMNs demonstrate that an expense is needed to diagnose, treat, or alleviate a medical symptom rather than for general health or wellness purposes. Eligible products must treat, cure, prevent, diagnose, or alleviate a medical need. Sika makes the whole process quick and easy.

Once you select Continue with Sika, you'll be taken to a third-party service for HSA/FSA payment, where a review order window will display:

Once you add an HSA or FSA card and a different credit or debit card, select Complete Purchase.

Sika will send a confirmation email after you complete your purchase. A confirmation email from [email protected] will be sent to the email address provided in the original order.

Please note that some transactions may be declined even though your HSA or FSA has sufficient funds. If you have issues using your HSA or FSA card at checkout, ensure you have enough funds to purchase. You can complete your purchase with a regular credit card or PayPal and follow the indirect reimbursement process.

Depending on your card issuer, you may be able to complete your transaction by paying in part with your HSA or FSA card.

If your issuer allows partial authorization, your HSA/FSA subtotal will be automatically adjusted to the remaining balance on your HSA or FSA card account. You can then use a different credit or debit card to pay for the remaining expenses and complete your purchase. Our Avocado gift cards cannot be used for split payments with HSA/FSA purchases. Please note that if you use two different cards for payment, you can't manually select how much you pay with each card.

If your issuer doesn't allow partial authorization, you can complete your purchase with another credit or debit card and submit the Sika receipt to your HSA or FSA provider for reimbursement on eligible items.

To return an Oura Ring purchased with HSA or FSA for a refund or exchange or to cancel an order that has not yet shipped, please contact us for assistance.

If we can approve your return via our Return Policy, once we receive your products following our terms and conditions, we/Sika will transfer any payment amount already received back to your HSA or FSA card account within ten business days.

Due to federal tax regulations, all refunds for purchases made with HSA or FSA funds must be returned directly to the HSA or FSA card account from which the purchase was made. Only open HSA and FSA accounts may be refunded.

If your order has already shipped, you'll need to wait until your product arrives, then follow the same return process.

If your order has not yet shipped, our support team can cancel the transaction and refund any payment to your HSA or FSA card account. The refund to your HSA or FSA card will follow the same process detailed in the section above as well.