Can Your Morning Coffee Be HSA/FSA Eligible?

When you think about spending your HSA/FSA funds, coffee probably isn't the first thing that comes to mind.

But your HSA/FSA may cover more of your everyday health routine than you realize. Certain supplements may be eligible for qualifying customers when they're used to address a specific health need and supported by the appropriate documentation.

That can include products you might not expect, like Vivi Longevity Coffee+.

Here's what to know.

Are supplements HSA/FSA eligible?

Sometimes.

Supplements aren't automatically HSA/FSA eligible. Eligibility can depend on what the product is being used for and whether you have documentation showing that it addresses a specific health need.

For some products, that means getting a Letter of Medical Necessity, or LMN.

Flex helps simplify the process. You'll complete a short online health survey that is reviewed by a licensed provider. If you qualify, you'll receive an LMN and your purchase may be eligible for payment with HSA/FSA funds.

What about coffee?

Regular coffee isn't an HSA/FSA-eligible expense. Vivi Longevity Coffee+ is different because it combines organic Arabica coffee with supplement ingredients including nicotinamide riboside, hydrolyzed collagen, and rutin.

Vivi's approach grew from a challenge the brand heard repeatedly from customers: they wanted fewer pills and powders to manage and a supplement routine they could actually remember.

Instead of adding another step to the day, Vivi incorporates supplements into something many people already have in their morning routine.

The approach is resonating. Vivi serves thousands of customers, and more than 63% choose a recurring monthly subscription.

How HSA/FSA eligibility works with Vivi

Qualifying customers may be able to use HSA/FSA funds toward Vivi Longevity Coffee+ through Flex.

Here's how it works:

1. Shop Vivi through Flex.
2. Complete a short health survey. A licensed provider reviews your responses.
3. See if you qualify. If you do, you'll receive an LMN.
4. Use your HSA/FSA funds. Your Vivi purchase may then be eligible for HSA/FSA payment.

Eligibility depends on your individual health needs and documentation.

Why check your eligibility?

HSA/FSA contributions are made with pre-tax dollars, which means qualifying customers can effectively save roughly 30 to 40% depending on their tax rate by using pre-tax dollars.

If a product is already part of your routine, checking eligibility before paying out of pocket can help you get more value from funds you've already set aside for your health.

And Vivi is a good example of why it's worth checking. HSA/FSA eligibility can extend beyond the products you might traditionally associate with your benefits.

Your HSA/FSA may cover more than you think

From supplements to sleep, recovery, skincare, footwear, and more, there are plenty of ways your HSA/FSA may support your everyday routine.

The takeaway? Before you pay out of pocket, check what's eligible. You may be surprised by what your benefits can cover.

Check your eligibility for Vivi Labs