HSA & FSA eligible
Buy Halo Blackout Blinds With Your HSA or FSA
Halo Blackout Blinds qualify as a medical sleep aid under most HSA and FSA plans. That means you can pay with pre-tax dollars and save around 30% on the total cost. 99% of the parents who apply through TrueMed are approved in under 2 minutes.
What you actually pay
Example based on a 30% combined federal + state tax bracket. Your exact savings depend on your income and state.
First things first
What are HSA and FSA accounts?
They're both tax-advantaged accounts that let you pay for medical expenses with money that hasn't been taxed yet. Most Americans have one and don't realise they can spend it on sleep products.
HSA
Health Savings Account
An HSA is a personal savings account attached to a high-deductible health plan. You contribute pre-tax money, it grows tax-free, and you can spend it on qualified medical expenses whenever you want. Unused money rolls over year after year. If your paycheck stub shows an HSA contribution, you've got one.
FSA
Flexible Spending Account
An FSA is an employer-sponsored account you fund with pre-tax dollars from your paycheck. Any FSA balance you don't use by year-end is often forfeited, which is why December is peak season for FSA purchases. If you don't spend it by then, you lose it.
Why we qualify
Sleep is a medical expense, and Halo is a sleep aid
The IRS allows HSA and FSA funds to be used for products that treat or prevent a medical condition. Halo Blackout Blinds are prescribed as part of sleep hygiene treatment for a long list of conditions in kids and adults.
3 steps, 2 minutes
How to pay with your HSA or FSA
We partner with TrueMed to handle the medical paperwork automatically. There's no doctor visit, no waiting on prescriptions, no phone calls with your insurance.
Pick your blind and go to checkout
Configure your Halo Blackout Blind like normal. At checkout, select "Pay with HSA/FSA" as your payment option.
Complete a 60-second questionnaire
TrueMed asks a few quick questions about your sleep goals. 99% of applicants qualify. You'll get a Letter of Medical Necessity instantly by email.
Pay with your HSA or FSA card
Enter your HSA or FSA card details and place the order. That's it. TrueMed keeps a copy of your LMN in case your plan administrator ever asks.
Verified by
TrueMed handles the medical side
You're not signing anything questionable. TrueMed is the industry standard used by hundreds of health and sleep brands. They're licensed to issue LMNs and handle the IRS paperwork so you don't have to.
Trusted by leading sleep and wellness brands
Every HSA/FSA transaction on this page is verified through TrueMed's licensed medical review. If you're ever audited by your plan administrator, your Letter of Medical Necessity is stored and ready.
Common questions
Everything else parents ask
Wait, really? Blinds are HSA/FSA eligible?
Yes, when they're prescribed as a sleep aid for a qualifying condition. The IRS allows HSA and FSA funds for products that treat or prevent a medical condition. A Letter of Medical Necessity from a licensed provider (which TrueMed issues for you) is what makes it official.
Do I need to see a doctor first?
No. TrueMed's questionnaire is reviewed by a licensed medical professional in their network. You never leave the checkout flow. The whole process takes under 2 minutes.
How much do I actually save?
Your savings depend on your combined federal and state tax rate. Most Americans save between 22% and 37%. On a $299 blind, that's between $65 and $110 back in your pocket.
What if I'm one of the 1% who doesn't qualify?
You still complete your purchase at the regular price. Nothing about your order changes. You just pay with a normal card instead of your HSA/FSA card.
Can I use HSA/FSA for more than one blind?
Yes. Order as many blinds as your child's room, sibling's room, or your own bedroom needs. Each blind is covered by the same LMN. Great if you have an FSA balance you need to use before year-end.
What if I don't have an HSA or FSA?
You can still buy Halo Blackout Blinds at the regular price with any payment method. If you have a partner or spouse whose employer offers an FSA, they may be able to add it during their next open enrollment.
Is this legal? Am I going to get in trouble?
Yes, it's fully legal when documented by a Letter of Medical Necessity, which is exactly what TrueMed provides. HSA/FSA rules explicitly allow products used to treat or prevent a medical condition. If your plan administrator ever asks for documentation, TrueMed has it on file.
My FSA expires December 31. Can I use it now?
Yes, and you should. Any FSA balance you don't use by your plan's deadline is usually forfeited. Buying Halo Blackout Blinds is a way to turn that expiring money into years of better sleep for your kids.
Turn your HSA into a lifetime of deeper sleep.
Two minutes to check eligibility. Around 30% off with pre-tax dollars. Risk-free for 30 nights.
