We accept all major HSA/FSA cards


Save up to 30%
By using FSA or HSA funds to purchase a Cradlewise, you're spending pre-tax dollars—meaning you save while investing in better sleep for your family.
Use it before it expires
When you sign up for an FSA, the IRS mandates that all contributions be used by a specific annual deadline. If not, the remaining funds may be lost.
How to use HSA/FSA
debit card?
STEP 1
Select pay with Flex
Select Flex | Pay with HSA/FSA as your payment option at checkout

STEP 2
Confirm your eligibility
Complete a brief consultation to confirm your eligibility for HSA/FSA payment
STEP 3
Save using pre-tax dollars
If you qualify, enter your HSA/FSA card details to pay with pre-tax dollars. After completing payment, Flex will email you a Letter of Medical Necessity.

If you don’t have your HSA/FSA card handy, you can still use Flex and enter your credit/debit information and Flex will email you a letter of medical necessity and itemized receipt for reimbursement!
Use your FSA funds
before it’s too late
Some FSA plans allow you to use your balance before they expire,
here are some important dates:
DEC
31
Most FSAs expire at the end of calendar year.
MAR
15
Some FSA plans allow you to use your balance up until March 15 before they expire.
FAQ’s
What is Flex and what is their relationship with Cradlewise?
Cradlewise has partnered with Flex to allow you to use your Health Savings Account (HSA) or Flexible Spending Account (FSA). This means you can now use your HSA or FSA debit card to buy Cradlewise smart crib with pre-tax dollars, resulting in net savings up to 30%, depending on your tax bracket.
How do I pay with my HSA or FSA card?
To use your HSA or FSA debit card, add products to your cart as usual. At checkout, select “Flex | Pay with HSA/FSA” as your payment option, enter your HSA or FSA debit card, and complete your checkout as usual. If you don’t see “Flex | Pay with HSA/FSA,” you may be in Shop Pay. Select “checkout as guest” to view more payment options.
Why can't I see Flex as a payment method?
The key here is to make sure you are logged out of ShopPay. One of the easiest ways to do this is to go through checkout in an incognito window.
Why is my HSA/FSA card being declined?
HSA/FSA cards are debit cards, and the most common reason for declines is insufficient funds. Reach out to your HSA/FSA administrator to confirm your balance.
What is a Letter of Medical Necessity?
A letter is essentially a note from a doctor stating that you are purchasing an item to treat or manage a medical condition. More details can be found here.
Why do I need to provide Cradlewise with health information?
In order to qualify to use your HSA or FSA card for Cradlewise smart crib, the IRS requires you to have a Letter of Medical Necessity. Cradlewise has partnered with Flex to enable asynchronous telehealth visits as part of our checkout. Within 24 hours of your purchase, Flex will email you both a Letter of Medical Necessity and an itemized receipt.
Do I need to do anything with my Letter of Medical Necessity?
You should keep it on file for at least three years in the event of an IRS audit of your HSA or FSA account. Occasionally, FSAs may ask for the Letter to confirm the eligibility of your purchase.
Help! I didn't receive an email from Flex with my itemized receipt and/or letter of medical necessity. What should I do?
Please check your spam folder, as sometimes emails from notifications@withflex.com may be automatically filtered as spam by some email service providers. If you still can’t find it, please email notifications@withflex.com and let them know the email address associated with your order.
What products are eligible for HSA/FSA?
Only the Cradlewise Smart Crib is eligible for HSA/FSA (with letter of medical necessity); all other items (accessories and CradlewiseProtect) are not eligible.
What if I don't have my HSA/FSA card available?
If you don’t have your HSA or FSA card handy, still select “Flex | Pay with HSA/FSA” as your payment method. Enter your credit card information and Flex will email you an itemized receipt to submit for reimbursement.
I submitted my Flex itemized receipt for reimbursement and my FSA requires more information.
Please forward us the request from your FSA, and we will work with the Flex team to issue you a new receipt.
I would like to use multiple HSA/FSA cards to pay for an item. Can I do that?
No, unfortunately, this isn’t a supported feature right now. If there are insufficient funds in a single HSA or FSA account, you can instead enter a credit card on the Flex checkout page. You will receive an itemized receipt and/or Letter of Medical Necessity from Flex, which you can submit for reimbursement.
Is sales tax covered by HSA/FSA funds, or is it treated separately?
Sales tax for eligible items is also covered by HSA/FSA funds. If the customer has a split cart, the tax will be divided among the cards based on the items.
I still have more questions on HSA/FSA. Who should I reach out to?
You can reach out to our support team at support@cradlewise.com
Disclaimer
Starting June 2025, Cradlewise has partnered with Flex to offer HSA/FSA payment options with a letter of medical necessity. Complete a brief eligibility survey at checkout to get started. Please note that eligibility may vary depending on your specific HSA/FSA plan. We recommend confirming coverage with your HSA/FSA administrator before making a purchase. Cradlewise is not responsible for denied claims, as approval is subject to your plan’s individual policies.