HSA vs FSA: What’s the Difference
What Is an HSA or FSA?
Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are tax-advantaged accounts designed to help you pay for qualified medical expenses. Both accounts let you use pre-tax dollars to cover healthcare-related costs, reducing your taxable income.
At First Class Mobility, we partner with Sika Health so that you can use your HSA or FSA card to purchase a wide range of mobility and medical equipment directly at checkout.
What Products Are HSA/FSA Eligible?
Under IRS guidelines, many mobility and healthcare items are considered eligible medical expenses. That means you can shop our store using your HSA/FSA funds forreym:
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Lift Chairs (with medical necessity)
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Walkers, Rollators & Canes
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Bathroom Safety Equipment (shower chairs, grab bars, commodes)
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Knee Walkers & Crutches
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Pressure Relief Mattresses & Cushions
How to Use Your HSA or FSA at First Class Mobility
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Shop Eligible Products – Browse our collections for mobility scooters, wheelchairs, hospital beds, and more.
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Checkout With Your Card – Pay easily with your HSA/FSA debit card online.
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Request Documentation if Needed – If your provider requires proof, we’ll provide a detailed invoice to support your claim.
HSA vs FSA: Key Differences
Here’s a quick comparison to help you understand which account works best for your needs:
| Feature | HSA (Health Savings Account) | FSA (Flexible Spending Account) |
|---|---|---|
| Who can open it? | Only if you have a High Deductible Health Plan (HDHP) | Offered by employers to eligible employees |
| Ownership | You own it – funds stay with you, even if you change jobs | Employer owns it – funds usually don’t follow you if you leave |
| Rollover | Money rolls over year to year | Use it or lose it (some plans allow limited rollover) |
| Contributions | You, employer, or others can contribute | Mostly you, sometimes employer too |
| Growth | Funds can grow tax-free and even be invested | Funds don’t grow; they must be used during the year |
Frequently Asked Questions
Q: Can I use my HSA/FSA to rent equipment?
Yes, many short-term and long-term rentals (like hospital beds or wheelchairs) are eligible medical expenses.
Q: What happens if my HSA/FSA card is declined?
This sometimes happens if your provider needs additional documentation. We’ll give you an itemized receipt so you can request reimbursement.
Q: Can I split payment between HSA/FSA and another card?
Yes, you can use your HSA/FSA funds and pay any remaining balance with a credit card.
Q: Can I use both an HSA and FSA?
Generally, you can’t contribute to both a traditional FSA and an HSA in the same year. However, you may use a limited-purpose FSA (for vision/dental) alongside an HSA.
Shop with Confidence at First Class Mobility
We make it simple to use your HSA/FSA benefits to invest in the mobility and healthcare products you need. From scooters and wheelchairs to lift chairs and bathroom safety equipment, our collections are designed to help you live more comfortably and independently.
Simply select your equipment, pay with your HSA/FSA card at checkout, and let us handle the rest.
Questions about eligibility or payments?
Contact us at support@firstclassmobility.com we’re here to help you get the most out of your benefits.