Using Your HSA/FSA Cards for Divoti Medical IDs and Accessories

Divoti is excited to partner with Binkey, making it easier than ever to shop with your Health Savings Account (HSA) or Flexible Spending Account (FSA). Now, you can use your HSA or FSA debit card to purchase eligible items and enjoy significant savings—up to 30-40% depending on your tax bracket—by using pre-tax dollars. Simply look for the FSA/HSA Eligible Badge to start saving smarter on the products you love!.

To use your HSA or FSA debit card, add products to your cart as usual. At checkout, select "Pay with HSA/FSA" as your payment option, enter your HSA or FSA debit card, and complete your checkout as usual. If you don’t see “Pay with HSA/FSA,” you may be in Bolt Checkout. Select “Checkout as guest instead” to view more payment options.

No worries! If your HSA or FSA card isn’t available, simply select “Pay with HSA/FSA” as your payment method and enter your credit card details. Eligible items from Divoti Inc. are reviewed and audited by SIGIS (the Special Interest Group for IIAS Standards), a non-profit organization that oversees industry standards for processing FSA and HRA debit card transactions. Once your purchase is complete, we’ll email you an itemized receipt that you can submit for reimbursement.

The key here is to make sure you are logged out of Bolt Checkout. One of the easiest ways to do this is to go through checkout in an incognito window.

HSA/FSA cards are debit cards, and the most common reason for declines is insufficient funds. Reach out to your HSA/FSA administrator to confirm your balance.

Please check your spam folder, as sometimes emails from support@divotiusa.com may be automatically filtered as spam. If you still can’t find it, please email support@divotiusa .com and let them know the email address associated with your order.

Sales tax for eligible items is also covered by HSA/FSA funds. If the customer has a split cart, the tax will be divided among the cards based on the items.

A letter is essentially a note from a doctor stating that you are purchasing an item to treat or manage a medical condition.

While eligible items from Divoti Inc. are carefully reviewed for HSA/FSA eligibility, certain specialized products may require additional documentation to qualify. A Letter of Medical Necessity (LMN) is often needed for items that go beyond standard eligibility, such as service dog-related products for individuals with disabilities. This letter, provided by your healthcare provider, confirms that the item is essential for managing your specific medical condition, ensuring it meets the requirements for HSA/FSA reimbursement.

You should keep it on file for at least three years in the event of an IRS audit of your HSA or FSA account. Occasionally, FSAs may ask for the Letter to confirm the eligibility of your purchase.

The ability to apply for FSA reimbursement in a future calendar year depends on the policy of the specific FSA provider. Most FSA administrators require that the purchase be made during the time of coverage. For example, if the FSA coverage is for 2025, purchases typically need to be made and/or submitted for reimbursement within that coverage period. HSAs generally allow reimbursement at any time.