Shop HSA/FSA eligible with confidence.
Every product we tag as HSA/FSA eligible is verified against IRS Publication 502. If your plan administrator ever determines that a purchased product doesn't qualify, we'll make it right — on the terms below.
Note: plan administrators may apply rules stricter than IRS Pub 502. Those plan-specific exclusions are outside this guarantee's scope. Confirm eligibility with your plan administrator before purchasing if unsure. Guarantee is limited to one approved claim per customer per calendar year — see full terms below.
Our three-part guarantee
How we stand behind the HSA/FSA eligibility we claim on our products.
We substantiate
Every product tagged HSA/FSA eligible on WellBefore is verified against IRS Publication 502, the definitive guide to qualified medical expenses. We keep documentation for each eligible category and review listings regularly.
We assist
If your HSA/FSA card is declined or your plan administrator questions a purchase, our support team will help. We can send product documentation, IRS qualification references, and itemized receipts to help substantiate your claim with your benefits provider.
We make it right
If your plan administrator issues a written eligibility denial on a product we tagged as HSA/FSA eligible — and our substantiation efforts don't resolve it — approved claims are resolved as either (a) a refund to the original payment method or (b) WellBefore store credit valid for 24 months — customer's choice. Resolution confirmed within 5 business days. See the terms below for what qualifies.
If your card is declined
Retry a clean cart
Remove non-eligible items and try again. Some plans only approve transactions where every item qualifies.
Pay & reimburse
Pay with a regular credit card. We'll email you an itemized receipt you can submit to your HSA/FSA provider for reimbursement.
Contact our team
Reach out and we'll help troubleshoot the decline and work with your plan administrator where appropriate.
Letter of Medical Necessity
Some products require a Letter of Medical Necessity from your provider. Items requiring an LMN are excluded from this guarantee if purchased without one on file. See the LMN guide →
Guarantee terms
These are the specific conditions under which our "we make it right" commitment applies. Plain-language terms — not fine print.
What qualifies for the guarantee
- The product was purchased from WellBefore and displayed an HSA/FSA eligibility badge at the time of purchase.
- Your plan administrator issued a written determination stating that the product is not a qualified medical expense under IRS Publication 502.
- You submit the claim within 90 days of receiving the written denial, and no later than 18 months after purchase.
- Our support team is given the opportunity to substantiate the claim with your plan administrator before the guarantee is invoked.
What isn't covered
- Declines for insufficient account balance, expired benefits, or transaction limits.
- Declines caused by a mixed cart (plans that require every item to qualify).
- Products requiring a Letter of Medical Necessity that were purchased without one on file. See LMN requirements.
- Plan-specific rules that are stricter than IRS Publication 502.
- Shipping, taxes, duties, gift wrap, or other non-product charges.
- Durable goods (devices, equipment) that were used before filing, where product condition is material to the claim. This exclusion does not apply to consumable products such as medications, bandages, or single-use items.
How we resolve approved claims
- Approved claims are resolved as either (a) a refund to the original payment method or (b) WellBefore store credit valid for 24 months — customer's choice.
- Resolution is confirmed within 5 business days of claim approval.
- One approved guarantee claim per customer per calendar year.
- Covers the product cost only (not shipping, taxes, or related fees).
- WellBefore reserves the right to decline or reverse claims that we determine to be fraudulent, abusive, or outside these terms.
- Guarantee terms may be updated at WellBefore's discretion; the terms in effect at the time of purchase apply to that purchase.
How to file a claim
- Email a redacted copy of your denial letter to support@wellbefore.com along with your order number. Before sending, remove diagnosis codes, medical record numbers, account numbers, and any other Protected Health Information you don't need to include — we only need the plan administrator's written eligibility determination.
- Our team will review and respond within 5 business days with a resolution or a request for additional documentation.
- All claim documents are permanently deleted within 90 days of resolution.
Important disclaimer
HSA/FSA eligibility designations on WellBefore are based on IRS Publication 502 and general eligibility guidelines for qualified medical expenses. Product eligibility may vary depending on your specific health plan, plan administrator policies, and individual circumstances.
Your plan administrator makes the final determination on whether a specific purchase qualifies under your HSA or FSA. WellBefore does not guarantee that your particular plan will approve any specific transaction.
The "We make it right" guarantee described on this page is a store-level customer program, not a contractual warranty. It does not constitute tax, legal, or medical advice. Consult your plan administrator, tax advisor, or benefits coordinator for questions about your specific plan coverage. WellBefore is not responsible for taxes, penalties, or fees that may result from non-qualified purchases.
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