How to Use HSA Or FSA Account to Buy CPAP Products?



Exciting News for Our Valued Customers! We’re thrilled to announce that CPAP Store USA now accepts Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) for your convenience. Whether you’re shopping online or visiting any of our retail store locations, you can use your HSA or FSA to cover eligible CPAP products. This enhancement aims to make it even easier for you to access the sleep apnea equipment and supplies you need while maximizing the benefits of your healthcare accounts. Shop with confidence, knowing that your health and sleep wellness are our top priorities. If you have any questions or need assistance, our dedicated team is here to help. Sleep well, and thank you for choosing CPAP Store USA!

Follow these steps to make the most of your HSA or FSA for CPAP purchases:

  1. Check Eligibility: Verify that your HSA or FSA covers CPAP products. In most cases, these accounts do cover expenses related to medical equipment, and CPAP machines and accessories are generally eligible.
  2. Prescription Requirement: Ensure that you have a prescription for the CPAP equipment you plan to purchase. Many HSA and FSA providers require a prescription to validate the medical necessity of the items.
  3. Choose Eligible Products: Select CPAP products that are eligible for reimbursement under your HSA or FSA. This typically includes CPAP machines, masks, tubing, filters, and other accessories.
  4. Keep Receipts and Documentation: Retain all receipts and relevant documentation from your CPAP purchase. This documentation may be needed for verification or reimbursement purposes.
  5. Purchase Online or In-Store: You can buy CPAP products from authorized suppliers, either online or in physical stores. Ensure that the retailer accepts HSA/FSA payments and provides the necessary documentation.
  6. Use HSA/FSA Debit Card: If you have an HSA/FSA debit card, you can use it to make the purchase directly. This simplifies the process, and the card will debit the funds from your account.
  7. Submit Reimbursement Claim: If you use another form of payment, you may need to submit a claim for reimbursement. Provide the required documentation, including the prescription and receipts, following the procedures outlined by your HSA/FSA provider.
  8. Keep Track of Account Balances: Regularly monitor your HSA or FSA account balances to stay informed about available funds. This will help you plan future CPAP-related purchases.

By leveraging your HSA or FSA for CPAP products, you can make the necessary investments in your sleep health while benefiting from potential tax advantages. Always check with your HSA/FSA provider for specific guidelines and regulations related to eligible expenses.



  1. Where Can I Buy CPAP Supplies for Therapy? 

    • CPAP Store USA Retail Locations: Visit any of our CPAP Store USA retail locations, where our knowledgeable staff can assist you in person. Check our website for the store nearest to you.
    • Online at Explore our extensive range of CPAP products and accessories on our user-friendly website, Enjoy the convenience of browsing, ordering, and having your supplies delivered to your doorstep. If you have any questions, our online support team is ready to assist you. Shop with confidence for a better night’s sleep!

    For additional information or assistance, feel free to contact our customer service team at 1-888-512-7278.

  2. Does HSA or FSA Cover New CPAP Masks and Parts?Yes, Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) can typically be used to cover the costs of new CPAP masks and parts. These accounts allow you to use pre-tax dollars to pay for eligible medical expenses, and CPAP equipment is often considered a qualified medical expense. However, it’s essential to check with your specific HSA or FSA provider to confirm coverage and ensure compliance with their guidelines. Be sure to keep your receipts for reimbursement purposes. CPAP Store USA accepts HSA and FSA payments, offering you a convenient way to invest in your sleep health.
  3. Why Use an FSA or HSA Card for CPAP Supplies at CPAP Store USA?Using your Flexible Spending Account (FSA) or Health Savings Account (HSA) card at CPAP Store USA offers a convenient and cost-effective way to manage your sleep apnea therapy. These accounts allow you to use pre-tax dollars for eligible medical expenses, including CPAP supplies along with free shipping. By utilizing your FSA or HSA card, you can save money on essential CPAP products such as masks, machines, and accessories. CPAP Store USA provides a seamless and efficient process, making it easier for you to prioritize your sleep health while enjoying the financial benefits of your FSA or HSA. Sleep well, save well with CPAP Store USA.
  4. Benefits of Buying CPAP Supplies with an HSA or FSA Account.Purchasing CPAP supplies with your Health Savings Account (HSA) or Flexible Spending Account (FSA) at CPAP Store USA comes with various advantages. Firstly, it allows you to use pre-tax dollars, providing a cost-effective solution for managing your sleep apnea therapy expenses. This means significant savings on essential CPAP products, including masks, machines, and accessories.

    Moreover, the process is streamlined and hassle-free at CPAP Store USA, ensuring a convenient shopping experience. By leveraging your HSA or FSA funds, you not only prioritize your sleep health but also make the most out of the financial benefits offered by these accounts. Explore the extensive range of CPAP supplies at CPAP Store USA, where your well-being and savings go hand in hand.

  5. What is the Difference Between an HSA and FSA Account?

    Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are both tax-advantaged financial accounts designed to help individuals cover qualified medical expenses, but they differ in key aspects:

    1. Eligibility:
      • HSA: You must be enrolled in a High Deductible Health Plan (HDHP) to qualify for an HSA.
      • FSA: Available to employees through their employer’s benefits plan, regardless of the type of health insurance they have.
    2. Ownership and Portability:
      • HSA: Owned by the individual, and funds can be carried over from year to year, even if you change jobs.
      • FSA: Typically owned by the employer, and there may be limits on how much can be rolled over at the end of the year.
    3. Contribution Limits:
      • HSA: Contributions are subject to annual limits set by the IRS and can be made by both the individual and, if applicable, their employer.
      • FSA: Contributions are set by the employer and may have a “use-it-or-lose-it” rule, meaning funds not used by the end of the plan year may be forfeited.
    4. Withdrawals and Access:
      • HSA: Funds can be withdrawn tax-free at any time for qualified medical expenses.
      • FSA: Funds can be accessed as soon as they are contributed, even if the full annual contribution amount has not yet been reached.
    5. Portability After Leaving Employment:
      • HSA: Remains with the individual, and contributions can continue even if no longer covered by an HDHP.
      • FSA: Continues only if the employer offers COBRA benefits, and there may be restrictions.

    Understanding these distinctions can help individuals make informed decisions about which account best aligns with their healthcare and financial needs.

    6. How Does an FSA and HSA Work ?

              At CPAP Store USA, using your Health Savings Account (HSA) or Flexible Spending Account (FSA) is a seamless and convenient process. These accounts provide a tax-advantaged way for you to purchase CPAP

    supplies and equipment. Here’s how it works:

    • Eligible Products:
      • CPAP Store USA offers a wide range of CPAP products, including masks, machines, parts, and accessories.
      • Eligible items are clearly marked on our website and in-store, ensuring you can easily identify products that qualify for purchase using your HSA or FSA.
    • Online and In-Store Purchases:
      • You can use your HSA or FSA card for online purchases at or at any of our retail store locations.
      • In-store, our knowledgeable staff can assist you in selecting the right CPAP supplies, and you can conveniently pay with your HSA or FSA card at the checkout.
    • Smooth Transaction:
      • When making a purchase, simply use your HSA or FSA card as you would with any other payment method.
      • Our system automatically recognizes eligible items, streamlining the process for you.
    • Receipts for Documentation:
      • After completing your purchase, you will receive a receipt detailing the items bought and the amount spent.
      • This documentation is valuable for record-keeping and may be required for reimbursement or tax purposes.
    • Customer Support:
      • If you have any questions about using your HSA or FSA at CPAP Store USA, our customer support team is ready to assist you.

    By accepting HSA and FSA payments, CPAP Store USA aims to make it as convenient as possible for customers to access essential CPAP supplies while maximizing the benefits of their health-focused financial