Pay with Your HSA or FSA

HSAs and FSAs are tax-advantaged accounts that let you set aside money pre-tax for qualified medical expenses. Every dollar you spend from these accounts is effectively discounted by your marginal tax rate.

• HSA (Health Savings Account) — available to individuals enrolled in a high-deductible health plan (HDHP). Funds roll over year-to-year and are portable across jobs.
• FSA (Flexible Spending Account) — employer-sponsored; funds generally must be used within the plan year or a short grace period. Contributions reduce your taxable income.
• HRA and LSA accounts — some employers also offer Health Reimbursement Accounts or Lifestyle Spending Accounts that may cover digital health tools. Check with your benefits administrator.

IRS Publication 502 defines qualified medical expenses as costs primarily incurred for the diagnosis, cure, mitigation, treatment, or prevention of disease. Arxova's platform supports several reimbursement-eligible use cases:

• Health monitoring and tracking — centralized access to vitals, lab results, wearable data, and medication records.
• Chronic condition management — ongoing symptom tracking, medication adherence support, and longitudinal data analysis via ARIA.
• FHIR-based medical record access — secure, standards-based retrieval of your electronic health records from providers via Fasten Health integration.

Eligibility depends on your specific plan administrator's interpretation of IRS guidelines. Some plans require a Letter of Medical Necessity (LMN) from your healthcare provider for digital health tools.

Through our partnership with Flex, the reimbursement process takes three steps:

1. Complete a quick consultation with Flex. Fill out a brief, 2-minute chat-based consultation with a licensed provider on Flex. If eligible, you'll receive a Letter of Medical Necessity in under two hours. The consultation is $15 (itself HSA/FSA eligible), and the Letter is valid for one year on future Arxova expenses.
2. Pay for your Arxova Membership with a standard card. Use any regular credit or debit card at checkout — not your HSA/FSA card directly. Save your Arxova receipt and subscription confirmation.
3. Submit for reimbursement. Send your Letter of Medical Necessity and your Arxova receipt to your HSA/FSA plan administrator. Most administrators accept digital uploads through their portal or mobile app.

Visit our Flex reimbursement page to get started: withflex.com/shop/brand/arxova

Important: complete your Flex consultation before purchasing your Arxova Membership. Only same-day or future purchases are eligible for reimbursement under the Letter.

Whether you pay directly or seek reimbursement, hold on to the following:

• Your itemized receipt from Arxova (payment date, amount, description).
• Your Arxova subscription confirmation email.
• A Letter of Medical Necessity from your provider, if your plan requires one for digital health expenses.
• Any correspondence from your plan administrator confirming or denying eligibility.

For help locating Arxova receipts or subscription confirmations, contact contact@arxova.health. For questions about the Flex consultation, Letter of Medical Necessity, or whether your specific plan will reimburse, reach Flex support directly through our Flex page.