Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are tax-advantaged savings accounts that help you to pay for healthcare expenses.

Dermstore has partnered with Flex to allow you to use your Health Savings Account (HSA) or Flexible Spending Account (FSA). This means you can now use your HSA or FSA debit card to buy SkinCeuticals, Medik8, EltaMD & more with pre-tax dollars, resulting in net savings of 30-40%, depending on your tax bracket.

Since these funds are pre-tax, you will save up to 30-40%!

No, but some products require documentation from a licensed healthcare provider stating that the item is necessary to treat or manage a specific medical condition. This documentation is called a Letter of Medical Necessity (LOMN). If a product requires a LOMN, Flex facilitates a chat-based consultation that generates the letter in real time.

A Letter of Medical Necessity is a formal document from a licensed healthcare provider stating that a specific product or service is required to treat, manage, or prevent a medical condition. This documentation is often required by HSA/FSA administrators to approve the use of pre-tax funds for certain health and wellness items.

Through our partner, Flex, you can obtain a LOMN directly during the checkout process:

• The Process: You will complete a brief, chat-based consultation with a medical professional.

• The Cost: There is a $12 fee for the consultation and issuance of the letter.

• Validity: Once issued, the letter is valid for one full year of eligible shopping.

While Flex offers a telehealth consultation within the checkout process for a frictionless experience, you may request a LOMN from your health care provider instead and submit your purchase for reimbursement with your FSA/ HSA administrator.

HSA/FSA cards are debit cards, and the most common reason for declines is insufficient funds. Please reach out to your HSA/FSA administrator to confirm your balance.

We strongly recommend checking with your HSA/FSA provider to confirm if the items you are purchasing are eligible prior to completing your purchase. However, if you believe your claim has been wrongly denied, please send over any response from your HSA/FSA provider to support@withflex.com and they will provide more information. Please note that employer-sponsored FSAs can determine what products are eligible beyond the IRS’s guidelines, so it’s important to check prior to purchase.

Yes. While the IRS sets general guidelines for FSA-eligible items, individual employers have the right to further restrict what their specific plan covers. We recommend checking with your employer’s HR department or your plan administrator to confirm:

• If they allow for all IRS-eligible health and wellness categories.

• If there are specific merchant restrictions on where you can spend your funds.

• If they require a Letter of Medical Necessity (LOMN) for specific skincare or wellness products even if they are generally listed as "eligible."

Yes, you may use the remaining funds on your purchase of eligible items, and a credit or debit card to cover the remainder.

Flex will email you an itemized receipt within two hours of your purchase.

Please forward the request from your FSA to support@withflex.com, who can assist with additional information or a new receipt.

Your return will follow the same process and policies for all items at Dermstore.

No, this feature is coming soon.

Yes, you will earn Rewards points on any purchase at Dermstore regardless of payment method.

Certain states - Louisiana, New Mexico, and Mississippi, have local and state laws limiting telehealth services. Flex is unfortunately unable to provide Telehealth Consultations and Letters of Medical Necessity to customers in these states but you may check out with always-eligible items.