bed, sleep, night-4183710.jpg

13 Best FSA and HSA Sleep Products

Longing for a good night sleep? Is your bed time tool kit becoming too expensive to manage? Well your in luck, some of the products you use today to help you fall asleep faster are eligible with your flexible spending account (FSA) or health savings account (HSA) card. However, there are some restrictions that I will go over with you in this guide. So let’s dive in!

Is Melatonin FSA or HSA eligible?

No, Melatonin isn’t traditionally eligible with your FSA card or HSA card because it’s a supplement, even though it’s commonly used. There is a chance you can use a Letter of Medical Necessity (LMN) for reimbursement, but you will need to establish that with your primary care physician. So this includes brands like Vicks ZzzQuil Pure Zzzs (natural one), Nature Made Melatonin, and Nature’s Bounty Melatonin. 

Need help with writing a letter of medical necessity? Read HealthEquity’s post here! 

Is Ashwagandha FSA or HSA eligible?

No, Ashwagandha is not eligible with your FSA or HSA card because, just like Melatonin, it is a supplement.

Are weighted blankets FSA or HSA eligible?

Although weighted blankets have been proven to naturally reduce anxiety and inflammation, and also help you fall asleep, weighted blankets are not eligible with your FSA or HSA card. 

In rare cases, you may be able to use a letter of medical necessity (LMN) but I would recommend consulting with your doctor and benefits administrator on the proper path to approval for this expense. 

A good night’s sleep is a major issue these days, so hoping I can help provide you a solution to help you sleep or destress!

Top FSA and HSA Eligible Sleep Aids

Are you like me where you’re constantly tossing and turning at night, turning to supplements like melatonin or CBD, or even a humidifier or just your plain old fan? Well here are some of the most popular FSA and HSA eligible sleep aids out there, helping you (and your wallet) get a great night of sleep!

Calms Forte is a homeopathic solution to your sleep that is FSA and HSA eligible. It claims to provide relief of occasional sleeplessness, restless sleep, and stress.

It contains natural ingredients that are known for their relaxing properties. These ingredients include Avena Sativa, Chamomilla, and Magnesia Phosphirca, amongst others. Chamomilla is a commonly used herbal ingredient that provides relief from sleeplessness and nervouseness, according to this study. Chamomilla is also a popular ingredient in calming teas, however those are not eligible with your FSA or HSA!

Sometimes you need something that you know just works, and you can be rest assured that the Unisom Doxylamine Succinate SleepTabs will work as they’re clinically tested, proven effective. 

This particular product is considered an over-the-counter (OTC) sleep medication, which is why it makes it an FSA and HSA eligible product. Back in 2019, you would normally need a prescription for this item. This was the #1 pharmacist recommended OTC sleep-aid medication in 2019, and is also non-habit forming. Please consult with your doctor before you add a sleep aid to your regimen! These are sleep tablets and not sleep pills FYI, but if you’d like a sleep pill or even a sleep gel, Unisom has those options for you. 

If you’re a restless leg sufferer like me, you always have the FSA and HSA eligible Magnilife Relaxing Legs Natural sleep aid on you. Derived from natural plant-based ingredients, you can take Magnilife in both tablet and cream form to help you sleep at night. 

When I travel it’s tough for me to fall asleep on flights due to my restless legs and c’mon, have you flown lately? This helps me when I travel on planes and in hotels, allows me to get some rest and calm my legs. 

Top FSA and HSA Eligible Products for your Bedroom

Bring comfort and tranquility into your home with these decorative aroma therapy diffusers. Designed for any room, these powerful little diffusers fit perfectly on a coffee table or bed side table alike and fill the air with your choice of mood enhancing essential oil blends.This particular item is a surprisingly FSA and HSA eligible item, because aromatherapy diffuser’s aren’t typically eligible. However, because this product is also a humidifier, it is eligible!

With ambient lighting and soothing aromatherapy, if relaxing before bed is your key to a good night sleep, make sure you use your FSA to help! And buy some FSA eligible vapor pads too!

Great addition to your crane humidifier! The vapor pads do a great job filling up the room with Eucalyptus to help me fall asleep. The ingredients are all natural, and you can also smell a bit of orange smell as well, if that turns you off then I would not recommend. 

Battle creek makes a variety of drug-free pain relief devices, including heating pads, cold packs, and more. This is an FSA and HSA eligible bed warmer, that can stay warm for as long as 8 hours, and after that the heating pad will automatically shut off. 

This pad will not get hot enough for the purposes of pain relief, but for those who seek warmth for additional comfort at night, you can use your FSA and HSA dollars to buy this bed warmer. This is one of the ONLY FSA and HSA eligible bed warmers out there, so please consult with FSA administrator prior to your purchase to ensure they’ll confirm your claim. 

Designed by an orthopedic surgeon, this mask conforms to your face to block out light, and offer relief via beads that deliver cold therapy. Very lightweight and soft, this FSA and HSA eligible eye mask is very hand and travel friendly.

This eye mask provides compression as well, making the cold therapy and compression therapy ideal for providing relief to those suffering from migraines, eye strains, computer and gaming strains, sinus pressure, optical pain, and more.

An FSA and HSA eligible drug-free remedy for sleep, nose strips are a very popular way to get a good night sleep. Whether you suffer from snoring, or it’s allergy season and you have a stuffy nose, nose strips are a great way to get sleep if congestion is what is keeping you up.

Nasal strips can open up your nasal passage 38% more than FSA and HSA eligible allergy and nasal decongestant sprays,


Vicks VapoPads are available in a menthol scent that improves your breathing by opening your sinuses. These vapor pad refills are available in original menthol scent and help you breathe more easily. Using medicated or non-medicated VapoPads or VapoSteam in your Vicks vaporizer or humidifier can help you feel more comfortable. 

Try VapoSteam, a menthol or rosemary & lavender VapoPads, or camphor cough suppressant VapoSteam when you or your child have a cold. Some customers even buy these without a vaporizer, and just place them on the bottom of the floor by your hot shower!

The MedCline system includes a wedge pillow that elevates the head, preventing reflux by keeping the head upright on the incline of the pillow. The body pillow supports the head and the rest of the body for additional comfort. A velour-style cover provides additional comfort. Side sleepers will love the reasonably firm wedge.

It’s not a good idea to buy the MedCline sleep system if you sleep on your stomach or back. If you sleep on your stomach or back, the MedCline might be too supportive for your needs. The MedCline wedge pillow is composed of a blend of foams, with a cushy memory foam layer on the surface and a mix of cushioning and supportive foams beneath. 

This is a great alternative to OTC heartburn aids like Nexium, Prilosec, and Pepcid. 

Top FSA and HSA Eligible CPAP Supplies

If you are one of the millions of Americans who suffer from sleep apnea, you may be wondering how you can use your FSA or HSA card to pay for your CPAP supplies. With the rising costs of health care, it is important to find ways to save money on your medical expenses.

There are a few things you need to know before you use your FSA or HSA card to pay for your CPAP supplies. First, you need to make sure that your doctor has prescribed the CPAP supplies for you. Second, you need to find a reputable supplier of CPAP supplies. And third, you need to make sure that you are using your FSA or HSA card for eligible expenses.

For the largest assortment of FSA and HSA eligible CPAP supplies, I would suggest making your first stop at is another cpap retailer that accepts FSA and HSA cards online, however they clarify that your card needs to be affiliated with a major card issuer (e.g. Visa). 

One of the most common issues new CPAP wearers have is getting comfortable with their new equipment. Adjusting to your new Respironics CPAP mask and headgear on your current pillow may be a large pill for you to swallow. Luckily, there are many options out there for CPAP wearers to trade in their traditional pillow for a new one, specifically made with cutouts for your CPAP mask and hose. If you’re a side sleeper like me, than the Lunderg CPAP memory foam pillow would be a massive upgrade for you.

Leave a Comment

Your email address will not be published. Required fields are marked *