We’ve partnered with Truemed, so you may be able to use pre-tax dollars from your Health Savings Account (HSA) or Flexible Spending Account (FSA) on select Avocado products, including adult mattresses, kids & crib mattresses, mattress toppers, adjustable bases, pillows, weighted blankets, and select bedding. Qualified customers save an average of about 30%, depending on their tax rate.
What is Eligible?
The following products may be HSA/FSA eligible for qualified customers:
Product | Eligible Items |
Mattresses | All adult mattresses, including Green, Green Ultra Plush, Vegan, Latex, Wool, Eco Organic, Luxury Organic, Grand Luxe, Extra Firm, and Organic Hybrid. Mattresses are partially eligible (see note below). |
Kids' & Crib Mattresses | Eco Organic Kids, Organic Crib, Eco Organic Crib and Mini Crib, Luxury Organic Crib, and Avocado x Coyuchi Organic Crib mattresses. Partially eligible. |
Mattress Toppers | Eco Organic, Alpaca Wool and Down toppers |
Adjustable Bases | Avocado, Avocado Plus and Eco Adjustable Bases |
Pillows | Avocado Green Pillow (and refill), Molded Latex, Mini Molded Latex, Organic Pillow with Natural Latex and Kapok Fill, Pure Talalay Luxury, Organic Latex Wedge Pillow, and Organic Yoga Bolster |
Weighted Blankets | All sizes |
Silk Pillowcases | Standard and mini |
Natural Linen Bedding | Sheets, duvet cover, quilt and shams |
Coyuchi | Cambria Embroidered Organic Linen duvet cover and shams; Pebbled Handstitched Organic Snuggle Sack |
Wellness | Organic Yoga Mat; Snoozy Bath Soak with Magnesium Flakes |
Mattresses are partially eligible. Some products include features beyond medical need, so Truemed calculates the eligible portion of your mattress by comparing it to a standard mattress. Your Letter of Medical Necessity (LMN) and receipt show this breakdown.
Foundations, bed frames, mattress and pillow protectors, coconut coir mattress pad, down pillows, and all other products are not currently eligible. Eligibility depends on your individual health circumstances, not just the product.
Truemed works with independent, licensed clinicians who review a short health survey to determine whether you qualify for a Letter of Medical Necessity (LMN), which allows you to use HSA/FSA funds on eligible items.
Look for the HSA/FSA callout with the Truemed widget in the “Buy Now” box on eligible products.
How do I purchase directly with an HSA or FSA card?
1. Select Truemed - Pay with HSA/FSA During Checkout
Add eligible items to your cart and go to checkout. Select Truemed - Pay with HSA/FSA as your payment method.
Tip: Check out as a guest. If you’re signed in to Shop Pay or use an express option like Shop Pay or Apple Pay, the Truemed option won’t appear.
2. Complete a Short Health Survey
You’ll answer a short, confidential health survey (about 60–90 seconds). No in-person visit is needed. The information you share goes only to Truemed and its clinicians and is not shared with Avocado.
3. Enter Your HSA/FSA Card
Enter your HSA/FSA card on Truemed’s secure payment page. Your card is authorized, but you won’t be charged until you’re approved.
4. Clinician Review
An independent, licensed clinician reviews your survey, usually within 24–48 hours.
5. Completing the Purchase, If Approved
After you complete the health survey, you’ll be taken to Truemed’s secure payment page to enter your HSA or FSA card. If your order includes items that aren’t eligible, or your HSA/FSA balance doesn’t cover the full eligible amount, you’ll be asked to pay the rest with a different credit or debit card.
Your HSA or FSA card is authorized but not charged until a licensed clinician reviews your survey, usually within 24–48 hours.
If approved: your HSA or FSA card is charged, and your order moves to fulfillment. You’ll receive an order confirmation from Avocado and an email from Truemed with your Letter of Medical Necessity (LMN) and receipt, sent to the email address you used for your order.
If not approved: the payment is canceled, and your HSA or FSA card is never charged. Truemed will email you, and you can complete your purchase with a regular credit or debit card.
No claim is needed when you pay with your HSA or FSA card. Keep your LMN on file for 3 years, as required by the IRS. Questions about your LMN? Contact Truemed at [email protected].
How do I submit purchases for indirect reimbursement?
After you buy from the Avocado online store with any credit or debit card, you can get reimbursed from your HSA or FSA for eligible items. You’ll need two documents: your Avocado order confirmation and a Letter of Medical Necessity (LMN) from Truemed.
Check with your HSA or FSA provider that your purchase meets their requirements, since plan providers and employers can set their own eligibility rules. Some providers may ask for more documentation.
If you’re using FSA funds, your Avocado purchase must be made during your FSA plan year to be eligible for reimbursement. Some FSA providers offer a grace period that extends beyond the plan year.
Find your Avocado order confirmation. Look for an email from [email protected] (subject line: Your Avocado Order). If you can’t find it, contact our Member Care team.
Get your Letter of Medical Necessity. Use the Truemed link on your order confirmation page or in your confirmation email to fill out a short health survey (about 90 seconds). If you qualify, Truemed will email your LMN, usually within 24 hours, along with step-by-step reimbursement instructions. Your LMN is valid for 12 months and covers repeat purchases in the same product category.
File and submit your claim. Log in to your HSA or FSA provider’s website and find the Claims or Reimbursements section. Upload your LMN and Avocado order confirmation, then submit. Processing can take anywhere from a few days to a few weeks.
Need help? For questions about filing a claim or eligible expenses, contact your HSA or FSA provider. For questions about your survey or LMN, contact Truemed at [email protected].
What if I have problems using my HSA or FSA card?
Declines are usually caused by a low balance, an inactive or expired card, or a spending limit. Check your balance or call your card issuer for the reason. You can also pay with a regular credit card or PayPal and get reimbursed using your LMN and receipt.
If you don’t see the Truemed option at checkout, make sure you’re checking out as a guest. If an eligible item still doesn’t show the option, email [email protected] with the product name and link.
For questions about your survey, LMN, approval, or a denied claim, contact Truemed at [email protected].
What if I don’t have enough funds?
Truemed lets you split your payment. If your HSA/FSA balance doesn’t cover the full eligible amount, Truemed will ask you at checkout to pay the rest with a regular credit or debit card. A split payment is also used when your order includes items that aren’t eligible, or when a product like a mattress is only partially eligible.
Split payments are for one-time purchases only. Avocado gift cards can’t be used as part of a split HSA/FSA payment.
You can also pay for your whole order with a regular credit or debit card. Then submit your Truemed Letter of Medical Necessity (LMN) and receipt to your HSA/FSA provider for reimbursement on eligible items.
Return, Exchange, or Cancel Order
Return for refund
If we can approve your return under our Return Policy, we’ll refund your payment within 10 business days of receiving your products.
Under federal tax rules, refunds for HSA/FSA purchases must go back to the same HSA/FSA card used for the purchase. They can’t be sent to a different card or issued as store credit. If you split your payment, the refund is split between both cards the same way.
If your HSA/FSA account has been closed, the refund will still go to that account, so please contact your former HSA/FSA provider to recover the funds. If you plan to close your account, we recommend waiting until any refunds have cleared.
HSA/FSA refunds can take longer to appear than standard card refunds. If you haven’t seen yours 15 business days after we’ve issued it, contact your HSA/FSA card issuer.
Cancel an order
If your order hasn’t shipped yet, our Member Care team can cancel it and refund your payment to your HSA/FSA card. The refund follows the same process described in the section above.
If you cancel while your order is still waiting for Truemed’s approval, your HSA/FSA card hasn’t been charged yet. You may see a temporary hold, which your card issuer will release.