October 23, 2025
Certified people can use their well being financial savings account (HSA) and versatile spending account (FSA) funds to reimburse themselves after shopping for eligible Garmin units, together with health and well being monitoring merchandise — and even smartwatches.
By our collaboration with Truemed, clients could also be eligible to make use of their HSA/FSA funds for certified purchases. By finishing a well being survey, certified people can obtain a letter of medical necessity (LMN), which unlocks the flexibility to reimburse themselves for eligible Garmin purchases utilizing pretax {dollars}.
Right here’s the way it works.
What’s an HSA or FSA?
HSAs and FSAs are two varieties of tax-advantaged plans that assist you to put aside pretax {dollars} for eligible well being care bills. HSA funds don’t have a time restrict, whereas FSA funds have to be spent inside the yr.
How does utilizing HSA/FSA funds get monetary savings?
You get extra buying energy as a result of these accounts home pretax {dollars}.
Let’s say you receives a commission $100, however $30 is taken out for taxes. You’d have $70 left to spend out of your common checking account.
For those who direct the identical $100 to fund your HSA/FSA, the complete $100 is put aside. So, while you spend $100 out of your HSA or FSA, you’d have $100 to spend — supplying you with financial savings of round 30%1.
How can certified people get reimbursed for eligible Garmin merchandise with HSA/FSA funds?
First, you’ll make your buy. Don’t use an HSA/FSA card throughout checkout. Then, you’ll examine your affirmation display screen or order affirmation electronic mail for a hyperlink to the Truemed survey to find out eligibility.
Subsequent, you’ll full a personal well being evaluation. Ensure that to take it the identical day as your buy.
A licensed supplier will overview your solutions to find out your eligibility2. If permitted, you’ll obtain an LMN inside a day or two. Gadgets included in your letter are certified medical bills. With an LMN, train and different well being purchases qualify as medical bills in the event that they deal with or forestall an sickness and are substantiated by a certified practitioner. The Truemed letter helps fulfill IRS necessities.
Then, observe the information included along with your LMN to submit your buy for reimbursement3. These claims are sometimes paid in 2 to 4 weeks.
For those who don’t have sufficient in your HSA/FSA to reimburse the complete buy, you’ll be able to nonetheless submit for partial reimbursement.
Can you utilize your HSA/FSA card to purchase Garmin merchandise?
For those who’re buying a product that doesn’t require an LMN, then sure. These embody a lot of our scales and displays.
Nonetheless, if the product is HSA/FSA eligible by way of Truemed, you’ll must observe the steps for qualification and reimbursement.
Having points? Contact [email protected] for assist troubleshooting.
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1On common, 30% of gross earnings is paid to federal and state tax. Particular person Tax Charges differ.
2Ultimate qualification based mostly on analysis and approval from licensed supplier. Garmin doesn’t present medical recommendation. We don’t intend any of our content material, services or products to switch medical care, medical analysis, or the connection between you and your doctor or different medical supplier.
3Garmin doesn’t present well being care profit, authorized or tax recommendation. It’s best to seek the advice of your individual medical skilled and/or HSA/FSA supplier earlier than partaking in any transaction. Be taught extra particulars about HSA/FSA, or seek the advice of your tax advisor or HSA/FSA supplier.