Santa Cruz Hightower 4 C 90

Name: Santa Cruz Hightower 4 C 90
Brand: Contender Bicycles
Availability: InStock

The Santa Cruz Hightower 4 C 90 is a trail bike built for riders who demand versatility, power, and precision. Its Carbon C frame features 150mm of VPP suspension for technical climbs and aggressive descents. A FOX 36 Float Performance fork with 160mm travel and FOX Float X Performance rear shock provide plush, controlled suspension. The 29” wheels enhance stability and roll smoothly over obstacles. The SRAM 90 Eagle T-Type 12-speed drivetrain combines a 32t crankset with a 10–52t cassette for a wide gear range. SRAM HS2 brakes with 200mm rotors deliver powerful, consistent stopping. Reserve 30|TR AL wheels are paired with Maxxis Minion DHF 29” x 2.5” front and DHR II 29” x 2.4” rear tires for traction and control.

HSA/FSA Eligible for Qualifying Customers

How to use your HSA/FSA on Santa Cruz Hightower 4 C 90

1. Add to cart and select Flex at checkout

Select Flex as your payment method during checkout.

2. Complete a quick consultation

A brief chat-based consultation determines your eligibility for a Letter of Medical Necessity.

3. Receive your Letter of Medical Necessity

If approved, you'll receive your LMN and can proceed with your purchase.

4. Complete your purchase

Enter your HSA/FSA card details to pay, or split with a credit card.

See if you qualify for a Letter of Medical Necessity

Our streamlined consultation process will determine if you're eligible for a Letter of Medical Necessity, allowing you to make the most out of your pre-tax dollars.

More HSA/FSA eligible products from Contender Bicycles

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Learn more about HSA/FSA

Frequently Asked Questions

If you can’t find what you’re looking for, please reach out to support@withflex.com.

1. At checkout, select "Flex | Pay with HSA/FSA." 2. Enter your HSA/FSA card details and complete your purchase. 3. If you don’t have your HSA/FSA card available, use a regular credit or debit card. Submit your purchase to your HSA/FSA administrator for reimbursement.

Health Savings Accounts (HSAs) let you set aside pre-tax dollars to pay for qualified health expenses. HSAs are linked to high-deductible health plans, and funds in these accounts roll over year after year. Flexible Spending Accounts (FSAs) allow you to use pre-tax dollars for eligible health expenses. Unlike HSAs, FSAs are not tied to a specific health plan and often require you to use the funds within the calendar year. FSAs are typically provided by employers.

At checkout, select "Flex | Pay with HSA/FSA." Some products require a Letter of Medical Necessity. Complete a brief chat-based telehealth consultation to confirm eligibility if required. Enter your HSA/FSA card details and complete your purchase. If you don’t have your HSA/FSA card available, use a regular credit or debit card. Submit your Letter of Medical Necessity and itemized receipt (provided by Flex) to your HSA/FSA administrator for reimbursement.

HSA and 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.

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.

A Letter of Medical Necessity is a document from a licensed healthcare provider that verifies the medical necessity of a product or service, making it eligible to purchase using your HSA or FSA. This might include items or treatments like supplements or physical therapy that aren’t automatically recognized as eligible expenses.

A licensed clinician will determine your eligibility during a chat-based telehealth consultation. According to IRS guidelines, you must have a medical condition that warrants the product or service you intend to purchase using your HSA/FSA. A range of conditions, such as cardiovascular, metabolic, musculoskeletal, autoimmune, neurological, or mental health conditions, could qualify.

Your Letter of Medical Necessity is valid for 12 months from the date of issue. It can be used for any eligible purchases made during this time. Be sure to keep and submit all related receipts when filing with your HSA/FSA administrator.

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.

All products shown in the Flex Marketplace are HSA/FSA eligible, some may require a Letter of Medical Necessity (LMN). Contender Bicycles may also offer additional eligible items on their website. When shopping directly on Contender Bicycles's site, look for HSA/FSA messaging on individual product pages. Flex accepts HSA/FSA cards, credit/debit cards, and split payments. Select Flex at checkout to pay for your purchase.

Shop Santa Cruz Hightower 4 C 90

Get the latest updates from Flex

*Flex is available for eligible customers. HSA/FSA savings vary based on individual circumstances. Learn more at withflex.com/legal.

Shop

Get the latest updates from Flex

*Flex is available for eligible customers. HSA/FSA savings vary based on individual circumstances. Learn more at withflex.com/legal.

Shop

Santa Cruz Hightower 4 C 90

HSA/FSA Eligible for Qualifying Customers

How to use your HSA/FSA on Santa Cruz Hightower 4 C 90

1. Add to cart and select Flex at checkout

Select Flex as your payment method during checkout.

2. Complete a quick consultation

A brief chat-based consultation determines your eligibility for a Letter of Medical Necessity.

3. Receive your Letter of Medical Necessity

If approved, you'll receive your LMN and can proceed with your purchase.

4. Complete your purchase

Enter your HSA/FSA card details to pay, or split with a credit card.

See if you qualify for a Letter of Medical Necessity

Our streamlined consultation process will determine if you're eligible for a Letter of Medical Necessity, allowing you to make the most out of your pre-tax dollars.

More HSA/FSA eligible products from Contender Bicycles

Shop all

Contender Bicycles

Fitness

Pinarello F7 Force AXS - Most Ultrafast 45 2026

$7,500.00

Contender Bicycles

Fitness

Specialized Turbo Levo R Expert

$8,999.99

Contender Bicycles

Fitness

SCOTT Solace Gravel 30

Learn more about HSA/FSA

Frequently Asked Questions

If you can’t find what you’re looking for, please reach out to support@withflex.com.

HSA and 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.

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.