At Culver Mobility, we’re committed to helping seniors and individuals with disabilities regain their independence through high-quality mobility solutions. Our mobility scooters, power wheelchairs, and replacement parts are designed to improve daily life—and the best part? They’re eligible for purchase using your Health Savings Account (HSA) or Flexible Spending Account (FSA).
In this guide, we’ll explain how HSA/FSA eligibility works, why our products qualify, and how you can use these tax-advantaged funds to save money while investing in your mobility.
What Are HSA and FSA Accounts?
Health Savings Account (HSA)
An HSA is a tax-advantaged savings account available to individuals enrolled in a High-Deductible Health Plan (HDHP). Contributions are made pre-tax, and funds can be used for qualified medical expenses, including mobility aids like wheelchairs and scooters.
Key Benefits:
- Pre-tax contributions lower taxable income.
- Funds roll over year-to-year.
- Withdrawals for eligible expenses are tax-free.
Flexible Spending Account (FSA)
An FSA is an employer-sponsored account that lets you set aside pre-tax dollars for medical costs. Unlike HSAs, FSAs have a “use-it-or-lose-it” policy, meaning funds expire annually (though some employers offer a grace period).
Key Benefits:
- Immediate tax savings.
- Covers a wide range of medical equipment.
Both accounts empower you to stretch your budget further while prioritizing health and mobility needs.
Why Are Culver Mobility Products HSA/FSA Eligible?
The IRS classifies mobility aids as qualified medical expenses if they’re prescribed by a physician to treat or manage a medical condition. Our products meet these criteria:
- Medical Necessity: Mobility scooters and power wheelchairs assist individuals with disabilities, chronic pain, or age-related mobility challenges.
- Durable Design: Our devices are built for long-term use.
- Prescription Requirement: A doctor’s note or Letter of Medical Necessity (LMN) may be required for reimbursement.
Explore our eligible products:
- Mobility Scooters: Ideal for outdoor adventures and daily errands.
- Power Wheelchairs: Designed for indoor maneuverability and comfort.
- Parts & Accessories: Keep your device running smoothly with HSA/FSA-eligible components.
How to Use HSA/FSA Funds at Culver Mobility
Step 1: Confirm Your Eligibility
Check with your HSA/FSA provider to ensure mobility devices are covered under your plan. Most accounts follow IRS guidelines, but requirements (e.g., prescriptions) may vary.
Step 2: Obtain a Prescription or LMN
Ask your healthcare provider for documentation stating that the device is medically necessary. This simplifies reimbursement claims.
Step 3: Shop with Confidence
Browse our mobility scooters or power wheelchairs and select the model that fits your needs.
Step 4: Pay with Your HSA/FSA Card or Submit for Reimbursement
- Direct Payment: Use your HSA/FSA debit card at checkout (if your provider allows).
- Reimbursement: Pay upfront, then submit your receipt and LMN to your account administrator.
Step 5: Enjoy Your New Mobility Freedom!
Benefits of Using HSA/FSA Funds for Mobility Aids
-
Save Up to 30% on Costs
By using pre-tax dollars, you reduce out-of-pocket expenses. For example, a 1,400 if you’re in the 30% tax bracket. -
Invest in Long-Term Independence
High-quality mobility devices improve safety, reduce pain, and promote an active lifestyle. -
Simplify Budgeting
Dedicate pre-tax funds to essential equipment without straining your monthly budget.
FAQs About HSA/FSA and Mobility Products
1. Can I buy replacement parts with HSA/FSA?
Yes! Parts like batteries, tires, and controllers are eligible if they’re essential to maintaining your device.
2. Do I need a prescription for a mobility scooter?
While not always mandatory, a doctor’s note strengthens your reimbursement claim.
3. Can I use HSA/FSA for in-store purchases?
Absolutely. Visit our B2B portal for bulk orders or commercial inquiries.
4. What if my FSA expires soon?
Mobility devices are a smart way to utilize remaining funds before they’re forfeited.
Why Choose Culver Mobility?
- Wide Selection: From compact scooters to heavy-duty power wheelchairs.
- Expert Support: Our team assists with HSA/FSA paperwork and product recommendations.
- Quality Assurance: All products meet FDA and IRS eligibility standards.
Start Shopping Today
Don’t let mobility challenges hold you back. Use your HSA/FSA funds to invest in freedom and comfort with Culver Mobility’s range of eligible products:
Have questions? Contact our team for personalized assistance!