FSA Eligible Supplements: Use Your Benefits Before They Expire

    FSA Eligible Supplements: Use Your Benefits Before They ExpireFSA Eligible Supplements: Use Your Benefits Before They Expire
    Read Time: Last Update: Jul 31Publish Update: Jul 27
    17. FAQ

    Did you know your Flexible Spending Account (FSA) could cover certain vitamins and supplements? If you’re using supplements to support your Cognition, sleep, stress, energy, or long term brain health, your FSA could help pay for them. With a doctor’s recommendation, you may be eligible to get reimbursed for products containing ingredients like magnesium, melatonin, B12, and more.

    If you're not taking advantage of this, you may be missing out on significant savings, especially if you already incorporate vitamins or supplements into your wellness routine.

    In this article, we’ll break down what makes a supplement FSA-eligible, how to claim it, and which Tahiro products may qualify.

    Key takeaways

    • FSA vitamins like B6, B12, magnesium, melatonin, and omega fatty acids may be covered if used for medical reasons [1][2].
    • Tahiro supplements such as Brain Protect™, Brain Protect™ Cinnamon, Sleep Well, Stress Relief, and Vegan Omega-3 include FSA-eligible ingredients [3].
    • Most FSAs require a Letter of Medical Necessity (LMN) for reimbursement [1].
    • Using your FSA for approved supplements is a smart way to invest in health — while saving on taxes.

    What Are FSA-Eligible Supplements?

    FSA-eligible supplements are vitamins or nutrients that may be reimbursed through your Flexible Spending Account (FSA) when they’re used to treat or manage a specific health condition and recommended by a licensed provider [1].

    Common FSA-Approved Supplements:

    • Vitamin B6 & B12 – for energy, focus, and nervous system support [2]
    • Magnesium – helps reduce stress and improve sleep quality [2]
    • Melatonin – promotes better sleep and circadian rhythm regulation [2]
    • Omega-3 & Omega-5 – support cognitive performance and brain health [2][3]

    Multivitamins for general wellness are not covered unless prescribed for a specific condition [1].

    Are Tahiro Supplements FSA Eligible?

    Yes — when used to support a specific condition and with your healthcare provider’s approval, many Tahiro supplements may qualify for FSA reimbursement.

    Brain Protect™ Nano Omega‑5 + Hemp – Powered by Nano formulated pomegranate seed oil (rich in Omega‑5/punicic acid) and full-spectrum hemp extract, this advanced formula supports memory, cognitive clarity, and long-term brain health.

    Brain Protect™ Nano Omega‑5 + Cinnamon – Combines the same Nano Omega‑5 and full-spectrum cinnamon. The added cinnamon extract helps support healthy blood sugar levels and provides antioxidant protection for the brain.

    Vegan Omega‑3™ – A clean, plant-based formula delivering DHA, EPA, and DPA from algae oil. Carrageenan-free formula supports heart, eye, and brain health—especially important for managing cognitive aging and maintaining focus.

    Brain Focus™ – Features a synergistic blend of Lion’s Mane mushroom, Bacopa monnieri, Panax ginseng, and L‑theanine to promote focus, mental clarity, and sustained cognitive performance throughout the day.

    Stress Relief™ – Combines magnesium glycinate, Vitamin B6, and adaptogenic herbs like ashwagandha, rhodiola, eleuthero, and lemon balm. Together, these ingredients help manage daily stress, enhance resilience, and support mood balance.

    Sleep Well™ – A comprehensive sleep-support formula with melatonin, valerian root, kava kava, California poppy, GABA, Griffonia seed, and magnesium. This powerhouse blend helps you fall asleep faster, stay asleep longer, and wake up refreshed—without next-day grogginess. With continued use, it may even help reset your natural sleep patterns.

    Sleep Forte™ – Combines valerian root, passionflower, magnesium glycinate, and GABA to help you drift off faster, enjoy deeper sleep, and wake feeling fully restored—all without next-day fatigue.

    These condition-specific formulas align with FSA eligibility guidelines when supported by a Letter of Medical Necessity (LMN) from your provider [1][2].

    Why Use Your FSA for Vitamins and Supplements?

    1. Address Common Wellness Issues

    Stress, sleep problems, low energy, and brain fog are some of the most common health challenges today. Luckily, many FSA-eligible supplements — like melatonin, magnesium, and B vitamins — help manage these issues as part of a consistent wellness routine [2][3].

    2. Save Pre-Tax Money

    If you're already buying supplements, using your FSA lets you use pre-tax money, which means more savings and less out-of-pocket expense [1].

    3. Use It or Lose It

    FSA funds often expire at the end of the year. Using them on eligible wellness products ensures you don’t leave money on the table [1].

    How to Claim Your FSA Supplements & Vitamins Online at Tahiro Shop

    1. Shop Eligible Products

    All Tahiro supplements marked with the HSA/FSA badge are pre-approved for coverage through withFlex. Just add your chosen products to your cart.

    2. Complete the Telehealth Assessment

    At checkout, select “Flex | Pay with HSA/FSA.” You’ll be guided through a short, no-video telehealth questionnaire to confirm your health need. This generates a Letter of Medical Necessity (LMN) required for FSA/HSA use.

    3. Pay with Your HSA/FSA Card or a Regular Card

    • HSA/FSA Card: Pay directly and save pre-tax.
    • Credit/Debit Card: Pay normally, and Flex will provide documentation for easy reimbursement.

    4. Receive Your Documentation

    Within 24 hours, withFlex will email you:

    • An Itemized Receipt
    • A Letter of Medical Necessity (LMN). Keep these for your records or to submit for reimbursement if needed.

    5. Submit for Reimbursement (if required)

    If you didn’t pay with an HSA/FSA card, upload your LMN and receipt to your FSA/HSA provider’s portal to get reimbursed.

    References

    Go to section
    17. FAQ

    Conclusion

    Final Thoughts: Use Your Benefits Before They Disappear

    Your FSA is a powerful wellness tool — if used correctly. With proper documentation, supplements with proven ingredients like magnesium, melatonin, B vitamins, and omega fatty acids may qualify for reimbursement.

    Before your funds expire, talk to your doctor and explore Tahiro’s science-backed supplements to support your sleep, focus, stress, and energy — while saving on taxes.

    FAQ

    • Only if they are medically necessary and recommended by a licensed provider. A general multivitamin won’t qualify, but supplements with ingredients like melatonin, magnesium, or B12 may be covered when used to manage a specific condition [1][2].

    • Not always — but you’ll likely need a Letter of Medical Necessity (LMN) from your doctor. This letter explains why a supplement is part of your treatment for a specific condition and is usually required by your FSA provider [1].

    • Tahiro products like Brain Protect™, Brain Protect™ Cinnamon, Vegan Omega-3™, Sleep Well™, and Stress Relief™ contain FSA-eligible ingredients like melatonin, magnesium, B6, and omega fatty acids — making them more likely to qualify with an LMN [3].

    • Most FSAs follow a calendar-year deadline. Funds typically expire on December 31, though some plans offer a 2.5-month grace period or a $640 carryover to the next year. Check with your employer or FSA administrator [1].

    • Yes. Pay with your HSA/FSA card at checkout, or use a regular card and submit documentation for reimbursement later.

    • No. At checkout, Flex provides a telehealth assessment that generates a Letter of Medical Necessity automatically—no doctor’s appointment required.

    • Vitamins are only covered by an FSA when a healthcare provider prescribes them to address a diagnosed medical issue. You’ll need to provide a Letter of Medical Necessity that explains why the supplement is part of your treatment. Without this documentation, most vitamins and over-the-counter supplements aren’t eligible for reimbursement.

    • Vitamin B12 may be eligible for FSA reimbursement if it’s prescribed by a healthcare provider to treat a specific deficiency or medical condition. In such cases, you’ll need a Letter of Medical Necessity to submit with your claim. B12 taken for general wellness or energy is not typically covered by FSA plans.

    • An FSA does not usually cover vitamin A unless a healthcare provider recommends it to treat a specific medical condition. In that case, you’ll likely need a Letter of Medical Necessity explaining its purpose. Without a documented medical reason, vitamin A is considered a general-use supplement and wouldn’t qualify for reimbursement.

    • Yes, some nutritional supplements can be covered by an FSA, but only when they’re used to treat a diagnosed medical condition and recommended by a licensed healthcare provider. In most cases, a Letter of Medical Necessity (LMN) is required to qualify for reimbursement. General wellness supplements or daily multivitamins typically aren’t eligible.

    faq

    Have a question we didn’t cover above?

    Email hello@tahiro.com and our team will be happy to help.

    References

    1. HealthCare.gov. "What’s Covered by an FSA?" (2024)
    2. FSA Store – Eligible Products and Reimbursement Guide (2024)
    3. Tahiro.com – Product Ingredients and Use Cases (2024)
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