Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are tax-advantaged accounts designed to help individuals pay for qualified medical expenses. Both account types allow you to set aside pre-tax dollars for healthcare costs, effectively reducing the net cost of eligible medical purchases.
Health Savings Account (HSA): Available to individuals enrolled in a high-deductible health plan (HDHP). Contributions are tax-deductible, earnings grow tax-free, and withdrawals for qualified medical expenses are tax-free. HSA funds roll over year to year and the account is portable — it stays with you even if you change employers or health plans.
Flexible Spending Account (FSA): Offered through employers as part of a benefits package. Contributions are made with pre-tax dollars through payroll deduction. FSA funds are typically "use it or lose it" — most plans require you to spend the balance within the plan year, though some employers offer a grace period or limited rollover.
Both account types can be used to pay for a wide range of qualified medical expenses, including prescription medications, doctor visits, lab tests, and — importantly for our purposes — certain medical devices.
| Feature | HSA | FSA |
|---|---|---|
| Eligibility | Must have a high-deductible health plan (HDHP) | Offered through employer benefits |
| Contribution Limits (2026) | $4,300 individual / $8,550 family | $3,300 per employee |
| Rollover | Full balance rolls over year to year | Use-it-or-lose-it (some plans allow $640 rollover) |
| Portability | Stays with you if you change jobs | Tied to your employer |
| Tax Benefit | Triple tax advantage (contributions, growth, withdrawals) | Pre-tax contributions only |
| Investment Option | Yes — funds can be invested for growth | No |
Tip for FSA holders: If you have FSA funds approaching the end of your plan year, purchasing a prescribed medical device like the Vibracare ($495) or Neocussor ($595) is a smart way to use those funds before they expire.
The IRS defines qualified medical expenses broadly as costs for the "diagnosis, cure, mitigation, treatment, or prevention of disease." Medical devices that are prescribed by a healthcare provider for a specific medical condition generally qualify as eligible expenses under both HSA and FSA rules.
G5 percussion devices — including the Vibracare and Neocussor — are FDA 510(k) cleared as Class II medical devices. This regulatory classification distinguishes them from general wellness products (like consumer massage guns) and supports their eligibility as qualified medical expenses when prescribed for a medical condition.
Key factors that support HSA/FSA eligibility:
Important note: HSA/FSA eligibility ultimately depends on your specific plan rules and the determination of your plan administrator. While FDA-cleared medical devices prescribed for a medical condition generally qualify, we recommend confirming eligibility with your HSA/FSA provider before making a purchase.
Both G5 percussion devices are priced to be accessible within typical HSA/FSA balances:
Both devices ship free to all US addresses. For healthcare providers interested in clinical purchasing or facility orders, visit our For Professionals page.
If you purchase a G5 device and want to use HSA or FSA funds, the process typically involves the following steps:
Before purchasing, ask your physician or respiratory therapist to provide a prescription or Letter of Medical Necessity (LMN). This document should include your diagnosis (ICD-10 code), the prescribed device, the medical rationale for the device, and the provider's signature and credentials. Many HSA/FSA administrators require this documentation to approve reimbursement for medical devices.
You can purchase G5 devices directly from our online shop. If your HSA or FSA provides a debit card, you may be able to use it directly at checkout. Otherwise, you can pay with a personal credit or debit card and submit for reimbursement afterward.
Keep the following documents for your records and potential reimbursement submission:
If you did not pay with your HSA/FSA debit card at the time of purchase, submit a reimbursement claim to your HSA/FSA administrator. Most administrators accept claims online through their portal or mobile app. Upload your receipt and LMN, and the reimbursement is typically processed within 1–2 weeks.
The IRS may request documentation for HSA/FSA expenditures. Keep your receipt, LMN, and any reimbursement confirmations for at least three years (the standard IRS record-keeping period for tax-related documents).
Can I use my HSA/FSA card directly on g5vibe.com?
Yes, in most cases. HSA and FSA debit cards work like standard Visa or Mastercard debit cards. If your card is declined, it may be because your plan administrator requires pre-approval for medical device purchases — contact them to authorize the transaction.
Do I need a prescription?
While some HSA/FSA administrators may process the purchase without a prescription (since the device is FDA-cleared), having a prescription or LMN significantly reduces the risk of the claim being denied. We strongly recommend obtaining one before purchasing.
Are applicators and accessories also eligible?
Replacement applicators and accessories for a prescribed medical device are generally considered eligible expenses. The same documentation principles apply — having a prescription that covers the device and its accessories provides the strongest support for your claim.
What if my claim is denied?
If your initial claim is denied, you can typically appeal by providing additional documentation. A more detailed Letter of Medical Necessity from your provider — specifically explaining why the device is medically necessary for your condition — often resolves the issue. Contact your HSA/FSA administrator for their specific appeals process.
Looking for Medicare, Medicaid, or Private Insurance Coverage?
HSA/FSA is just one way to pay for your percussion device. For a comprehensive guide covering Medicare, private insurance, CPT billing codes, and step-by-step instructions for getting your percussor covered, see our Insurance Reimbursement Guide.
If you have questions about purchasing a G5 device with your HSA or FSA, our team is happy to help. Contact us at (800) 237-1832 or visit our shop to explore our full product line.
This article is for informational purposes only and does not constitute tax or financial advice. Consult with your tax advisor or HSA/FSA plan administrator for guidance specific to your situation.
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FDA-cleared percussion therapy devices designed to support respiratory health and pain management. Trusted by hospitals and families for over 60 years.
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