Can I use my HSA or FSA to shop at Naomi?
Qualifying customers can use their Health Savings Account (HSA) or Flexible Spending Account (FSA) to purchase Naomi products at checkout through our partner Flex. Eligibility is determined individually through a brief 2-minute telehealth consultation at checkout — no doctor’s appointment needed.
What does “qualifying customers” mean?
Because many health supplements are considered “dual use” by the IRS — meaning they can serve general wellness and specific medical needs — eligibility must be confirmed at the individual level. Flex’s telehealth consultation connects you with a licensed provider who reviews your health information and determines whether the purchase is medically appropriate for you. If you qualify, you’ll receive a Letter of Medical Necessity (LOMN) by email within 2 hours of your purchase.
What is a Letter of Medical Necessity?
A Letter of Medical Necessity (LOMN) is a document from a licensed healthcare provider confirming that a product is medically appropriate for your specific health needs. The IRS requires it for certain purchases — like supplements — before HSA or FSA funds can be applied. Flex handles the entire process within checkout and emails your LOMN to you within 2 hours of purchase.
What is Flex?
Flex is a payment platform that enables HSA and FSA transactions at checkout. When you select Flex | Pay with HSA/FSA at checkout, Flex guides you through a quick telehealth consultation to confirm eligibility, then processes your HSA or FSA payment — all within the checkout flow. Learn more at withflex.com.
HOW CHECKOUT WORKS
How do I pay with my HSA or FSA card at Naomi?
Here’s the full process:
1. Add Naomi products to your cart as normal.
2. At checkout, select Flex | Pay with HSA/FSA as your payment method.
3. Complete a brief 2-minute chat-based telehealth consultation to confirm your eligibility.
4. If you qualify, enter your HSA or FSA card details and complete your purchase.
5. Within 2 hours, Flex will email you a Letter of Medical Necessity and an itemized receipt. Keep both on file.
I can’t find Flex at checkout. What do I do?
This is almost always caused by ShopPay overriding the checkout and hiding alternative payment methods.
To fix it: open a new incognito or private browsing window, add your items to cart, and proceed to checkout without logging into ShopPay. Flex | Pay with HSA/FSA should now appear.
Still not seeing it? Email us at [email protected] and we’ll help.
What if I don’t have my HSA or FSA card with me?
No problem. Select Flex | Pay with HSA/FSA at checkout, complete the telehealth consultation, and then pay with a regular credit or debit card. Flex will still email you a Letter of Medical Necessity and itemized receipt, which you can submit to your HSA or FSA plan provider for reimbursement.
Can I split my payment between my HSA/FSA card and a regular card?
Yes. If your HSA or FSA balance doesn’t cover the full order amount, Flex will prompt you to enter a second card for the remaining balance during checkout.
My HSA or FSA card was declined. What should I do?
The most common reasons are insufficient funds, an incorrect card detail (number, expiry, or billing zip), or a restriction from your plan administrator.
Check your balance with your plan provider, double-check your card details, and try again. If the issue continues, you can complete your purchase with a regular card through Flex and submit for reimbursement using your Flex receipt.
THE TELEHEALTH CONSULTATION
What happens during the telehealth consultation?
It’s a short, chat-based questionnaire — no video call, no appointment. You’ll answer a few questions about your health, and a licensed healthcare provider reviews your responses to determine whether the product is medically appropriate for your situation. It takes about 2 minutes and happens entirely within the Flex checkout flow.
Will I definitely qualify?
Eligibility is determined by a licensed provider based on your individual health information. Not everyone qualifies, and that’s OK — you can still complete your purchase with a regular card through Flex and receive an itemized receipt to submit for reimbursement if your plan allows it.
Is my health information kept private?
Yes. The consultation is handled by Flex’s licensed healthcare partners in compliance with applicable privacy laws. Naomi does not receive or store your health consultation responses. For questions about how Flex handles your data, contact Flex directly at [email protected].
YOUR LETTER OF MEDICAL NECESSITY
How quickly will I receive my Letter of Medical Necessity?
Flex will email your Letter of Medical Necessity and itemized receipt to the email address used at checkout within 2 hours of your purchase. Please also check your spam folder — emails from [email protected] are sometimes filtered automatically.
I didn’t receive my Letter of Medical Necessity. What do I do?
First, check your spam or junk folder for an email from [email protected].
If it’s not there after 2 hours, contact Flex support directly at [email protected] with your order details and the email address you used at checkout. They’ll resend it quickly.
How long is my Letter of Medical Necessity valid?
Your LOMN is valid for 12 months from the date it was issued. Keep it — along with your itemized receipt — on file for at least 3 years in case your HSA or FSA provider or the IRS requests documentation.
There’s an error on my Letter of Medical Necessity. How do I fix it?
Contact Flex support at [email protected] with your order number, the email address used at checkout, and the correction needed. They’ll work with their team to issue a corrected letter.
REIMBURSEMENT
Can I submit my Flex receipt for HSA or FSA reimbursement?
Yes. If you paid with a regular card through Flex, you’ll receive an itemized receipt by email that you can submit to your HSA or FSA plan provider for reimbursement. For HSAs, you can typically submit at any time after the purchase. For FSAs, the purchase generally needs to have been made within your current plan year.
I bought from Naomi before Flex was available. Can I still get reimbursed?
For HSA accounts: you may be able to self-reimburse using your original Naomi order receipt. Check with your HSA administrator.
For FSA accounts: most plans require a Flex-generated itemized receipt and the purchase to fall within your current plan year. We aren’t able to generate a retroactive Flex receipt, so we’d recommend checking directly with your FSA plan administrator about what they’ll accept.
STILL HAVE QUESTIONS?
Who do I contact if I have more questions?
For questions about your Naomi order: email [email protected] or call 877-244-0189, Monday–Friday, 9am–3pm ET.
For questions specifically about your Flex transaction, LOMN, or telehealth consultation: contact Flex support directly at [email protected].