HSA & FSA Eligible Pillows & Bedding

Q: How can I spend my FSA or HSA funds at Coop?

Select “Flex | Pay with HSA/FSA'' at checkout. Input your card details and checkout as usual. If a purchase requires verification of eligibility, follow the steps to complete a brief telehealth consult via chat.

Q: I’m not seeing HSA or FSA options show up at checkout. Why not?

In this case, none of the items in your cart may be HSA or FSA eligible. Reach out to customerservice@coopsleepgoods.com if you think there is an error.

Q: I keep being pushed into Shop Pay. How do I use my HSA/FSA card?

If you continue to be pushed into the ShopPay checkout, we recommend completing your purchase in an incognito window.

Q: I don’t have an HSA or FSA card. Can I still use my HSA/FSA funds?

Yes, you can still be reimbursed for the expense. Select “Flex | Pay with HSA/FSA” at checkout. Instead of entering your HSA or FSA card, input your regular credit card. Flex will email you an itemized receipt following your purchase. Submit the itemized receipt to your HSA or FSA provider for reimbursement.

Q: Who is Flex and what is their relationship with Coop?

Flex has partnered with Coop Sleep Goods to enable consumers to use their HSA/FSA funds. You can think of Flex as an alternative to payment method, similar to Affirm, Klarna etc.

Coop Sleep Goods is HSA and FSA Eligible

Enjoy savings of 30-40% on our best selling sleep products.

Original Adjustable Pillow - Classic

From $89

Consumer Reports Recommended

Best Seller

Original Adjustable Pillow - Crescent

From $99

For side sleepers who also rotate to their backs

Best Seller

Original Adjustable Pillow - Cut-Out

From $99

Designed specifically for side sleepers

Best Seller

Adjustable Orthopedic Pillow

From $119

Adjustable Wedge Pillow

From $99

Eden Adjustable Pillow - Classic

From $109

Cool & premium support

PREMIUM

Eden Adjustable Pillow - Crescent

From $119

Cool & premium support for side to back sleepers

PREMIUM

Eden Adjustable Pillow - Cut-Out

From $119

Cool & premium support for side sleepers

PREMIUM

Original Maternity Adjustable Pillow

From $99

Designed for pre to postpartum and beyond

Cool+ Adjustable Pillow - Classic

From $149

Our most advanced cooling technologies

COOLING

Cool+ Adjustable Pillow - Crescent

From $159

Advanced cooling for side to back sleepers

COOLING

Cool+ Adjustable Pillow - Cut-Out

From $159

Advanced cooling for dedicated side sleepers

COOLING

Original Adjustable Body Pillow

From $99

Designed to support your entire body

Original Toddler Adjustable Pillow

From $39

Designed for use by children aged 2-8

Adjustable Knee Pillow

From $45

Original Mattress Topper

From $229

A big mattress upgrade from lots of tiny pillows

Four Position Adjustable Support Pillow

From $45

Adjustable Latex Pillow - Classic

From $149

Sustainably crafted with responsive support

Sustainable

Adjustable Latex Pillow - Crescent

From $159

Sustainable support for side to back sleepers

Sustainable

Adjustable Latex Pillow - Cut-Out

From $159

Sustainable support for side sleepers

Sustainable

Cool+ Body Pillow

From $169

Advanced cooling to support your entire body

COOLING

TENCEL™ Duvet Cover

From $159

TENCEL™ Pillowcase Set

From $39

TENCEL™ Sheet Set

From $179

Buttery-soft and smooth

Cool+ Pillowcase Set

From $39

Cool+ Sheet Set

From $179

Silky smooth and cooling

Cotton Percale Duvet Cover

From $139

Cotton Percale Pillowcase Set

From $33

Cotton Percale Sheet Set

From $169

Premium quality in crisp, cool cotton

Cool+ Blanket

From $99

Cool+ Mattress Topper

From $399

A cool upgrade to our most-loved mattress topper

The Ultra-Cool Waterproof Mattress Protector

From $69

Coop has partnered with Flex to allow qualified customers to use their Health Savings Account (HSA) or Flexible Spending Account (FSA). This means you may be able to use your HSA or FSA debit card to buy any Coop eligible-pillow with pre-tax dollars, resulting in net savings of 30-40%.

What is a qualified customer?

The IRS oversees HSA and FSA eligibility and dictates that a customer must have a medical condition or disease that they are seeking to treat or manage with Coop Sleep Goods pillows. Customers must have documentation that confirms their eligibility, also called a Letter of Medical Necessity. Not to worry, Coop has partnered with Flex to make this a quick and easy process for customers.

How do I use my HSA/FSA to pay for Coop pillows?

At checkout, select Flex | Pay with HSA/FSA as your payment option. You will be prompted to complete a brief telehealth consult to confirm your eligibility to pay with HSA/FSA. From there, enter your HSA or FSA debit card details and complete your checkout as usual. If you don’t have your HSA or FSA debit card handy, you can also complete the checkout with a regular credit or debit card.

Within 24 hours of your purchase, Flex will email you both a Letter of Medical Necessity as well as an itemized receipt. Keep these documents for your records should your HSA/FSA provider or the IRS require additional documentation.

That’s it! For more information, check out our FAQ below or reach out to customerservice@coopsleepgoods.com

FSA / HSA

What is an FSA or HSA and what are the benefits?

An FSA (Flexible Spending Account) and an HSA (Health Savings Account) are tax-advantaged accounts for medical expenses but differ in key aspects. FSAs, employer-sponsored, allow employees to use pre-tax dollars for medical expenses such as prescriptions and copays, but typically feature a "use-it-or-lose-it" policy where funds must be used within the plan year. HSAs are available to those with a high-deductible health plan and offer more flexibility, allowing funds to roll over annually.

How can I spend my FSA or HSA funds at Coop?

I’m not seeing HSA or FSA options show up at checkout. Why not?

I keep being pushed into Shop Pay. How do I use my HSA/FSA card?

Why was my HSA or FSA card rejected?

Like any credit or debit card, HSA/FSAs can be declined if any of the data from the card is incorrect (number, expiration date, zip code etc). Flex will alert you in checkout if any of these fields is missing or incorrect so you can update them.

The most common reason for rejection of the card is insufficient funds. Reach out to your HSA or FSA provider to verify the amount of money in your account before attempting to complete your purchase again.

I don’t have an HSA or FSA card. Can I still use my HSA/FSA funds?

What is a Letter of Medical Necessity?

A Letter of Medical Necessity (LOMN) is a document written by a healthcare provider that explains why a specific medical service, treatment, or equipment is necessary for a patient's health. In relation to an HSA (Health Savings Account) or FSA (Flexible Spending Account), an LOMN is often required for reimbursement of expenses that are not clearly defined as eligible under the standard IRS guidelines.

Who is Flex and what is their relationship with Coop?

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Coop Sleep Goods is HSA and FSA Eligible

HSA - FSA Eligible

Shape: Classic

Size: Queen

Shape: Classic

Size: Queen

Shape: Classic

Size: Queen

Size: King

Shape: Classic

Size: Queen

Shape: Classic

Size: Queen

Shape: Classic

Size: Queen

Size: One Size

Shape: Classic

Size: Queen

Shape: Classic

Size: Queen

Shape: Classic

Size: Queen

Size: One Size

Size: Twin

Shape: Classic

Size: Queen

Shape: Classic

Size: Queen

Shape: Classic

Size: Queen

Size: One Size

Color: Cream

Size: Queen

Color: White

Size: Queen

Color: White

Size: Twin

Color: White

Shape: Classic

Size: Standard/Queen

Color: Grey Blue

Size: Twin

Color: White

Size: Full / Queen

Color: White

Size: Standard / Queen

Color: Cream

Size: Twin

Color: Grey Blue

Size: Throw

Size: Queen

Size: Twin