HSA & FSA Eligibility

Your health benefits can cover this.

Zerene is HSA/FSA reimbursement eligible, which means you may be able to use your tax-advantaged health savings account to cover part or all of the cost of your Zerene device.

If you've been putting off treatment because of the price, this changes the math.

Using pre-tax dollars to treat a real medical condition.

Bruxism isn't a cosmetic concern. It's a recognized sleep disorder that causes chronic jaw pain, headaches, tooth damage, and disrupted sleep. HSA and FSA accounts exist for exactly this kind of medically relevant expense, and Zerene qualifies.

Depending on your tax bracket, using HSA or FSA funds can effectively reduce your out-of-pocket cost by 20–40%. For a $349 device, that's a meaningful difference.

Two ways to pay with your benefits:

Pay out of pocket and submit for reimbursement
If you'd prefer to pay with a personal card and submit a claim afterward, you can. Keep your order confirmation email as your receipt and submit it through your HSA or FSA administrator's portal. The process varies by provider but typically takes a few business days.

Request a letter of medical necessity
Some HSA and FSA administrators require a Letter of Medical Necessity (LMN) from a licensed healthcare provider before approving reimbursement for certain expenses. If your administrator asks for one, talk to your dentist or physician — they can confirm your bruxism diagnosis and recommend Zerene as a treatment. Our support team is happy to help if you have questions about this step.

Keep this handy for your records.

Most reimbursement submissions are straightforward. Here's what your HSA or FSA administrator will typically ask for:

• Proof of purchase (your Zerene order confirmation)
• The product name and description (Zerene biofeedback device for sleep bruxism)
• The amount paid
• A Letter of Medical Necessity, if required by your plan

Your order confirmation email contains everything you need for the first three. We recommend saving it as soon as your order is placed.

Common questions

HSA vs. FSA: What's the difference?

A Health Savings Account (HSA) is tied to a high-deductible health plan and rolls over year to year. A Flexible Spending Account (FSA) is employer-sponsored and typically has a use-it-or-lose-it deadline at the end of the plan year. Both are funded with pre-tax dollars, and both can be used for Zerene. If you have an FSA with a balance approaching its deadline, Zerene is a worthwhile way to put those funds to work before they expire.

Do I need a prescription?

No. Zerene does not require a prescription to purchase. However, if your HSA or FSA administrator requests a Letter of Medical Necessity, your healthcare provider will need to provide that documentation separately.

What if my claim is denied?

Eligibility determinations are ultimately made by your individual plan administrator, and outcomes can vary. If your claim is denied, contact your administrator directly to ask for the specific reason. In many cases, providing additional documentation — such as a Letter of Medical Necessity — resolves the issue. Our support team is available to help you navigate the process.

Can I use both an HSA and FSA?

Generally, you cannot hold both an HSA and a general-purpose FSA at the same time. However, some employers offer a Limited Purpose FSA alongside an HSA, which covers dental and vision expenses and may apply to Zerene. Check with your plan administrator to confirm what your specific accounts cover.

Still have questions?

We'll help you figure it out.

Navigating insurance and benefits can be frustrating. If you're unsure whether your specific plan covers Zerene, or you need help putting together documentation for a reimbursement claim, reach out to our team. We've helped customers through this process before and we're happy to do it again.

Contact Us →