Ways to Pay: Financing, HSA/FSA, and Insurance (What to Know)

Ways to Pay: Shop Pay, HSA/FSA, and Insurance (Here’s What to Know)

We help you move fast—so safety isn’t delayed. This page is informational only. Eligibility varies. We don’t provide medical, legal, or financial advice.

At a Glance

  • Fastest path: Use Shop Pay monthly payments at checkout (approval required).
  • Smart parallel path: Use HSA/FSA or submit to insurance after ordering—safety comes first.
  • Our role: We provide product details, invoices, and templates. Your clinician and plan decide what’s covered.

1. Shop Pay Monthly Payments

Simple, immediate, and helps you act now.

What it is:
A pay-over-time option offered at checkout through Shop Pay. Approval required.

Why it helps:

  • No delay in care—start using equipment while paperwork runs in the background.
  • Transparent costs—your monthly options are shown before purchase.
  • Works in parallel—submit to insurance or HSA/FSA later using your receipt.

How to use:

  1. Add your equipment to cart.
  2. At checkout, choose Shop Pay.
  3. Review monthly options and confirm if approved.

⚠️ Financing is provided by Shop Pay partners. Subject to eligibility and terms at checkout.

2. Paying with HSA/FSA

Use tax-advantaged dollars—without delay.

What it is:
If your account allows, you can use an HSA or FSA card to pay for eligible equipment.

How it works:

  • Use your HSA/FSA card like a normal card at checkout.
  • Keep your itemized receipt (we provide one).
  • If needed, request a supporting note from your clinician (we provide a simple template).

What we provide:

  • Itemized invoice with product names and totals.
  • Insurance Request Packet with product descriptions and a sample clinician letter.

⚠️ We can’t confirm eligibility for your specific plan. Your plan’s rules apply.

3. Insurance Reimbursement

Submit afterward—no need to delay safety.

What to know:
Some families get partial reimbursement; some don’t. It depends on the equipment, your plan, diagnosis, and clinician documentation.

Best approach:
Buy now. Start reimbursement steps in parallel.

Steps:

  1. Order your equipment (Shop Pay or card).
  2. Download the [Insurance Request Packet].
  3. Ask your clinician for a short supporting note (they may use their own form).
  4. Call your insurer’s Member Services and ask the questions below.
  5. Submit documents and keep copies of everything.

Simple script to ask your plan:

“I’m setting up home equipment after a stroke. Can you reimburse part of the cost if I paid upfront?”

Ask:

  • What documentation do you require? (receipt, clinician note, product details)
  • Do I need pre-authorization for reimbursement?
  • Is there an out-of-network DME policy for upfront purchases?
  • Where do I submit, and how long does it take?

What to save:

  • Order confirmation + itemized receipt
  • Any emails or call notes with your insurer (dates, names, reference numbers)
  • Clinician note or letter (if applicable)

4. What’s Right for Us?

  • We need safety this week. → Use Shop Pay or card. Start paperwork after ordering.
  • We have HSA/FSA funds. → Use your HSA/FSA card at checkout. Keep receipts.
  • We want to try for insurance later. → Buy now with Shop Pay. Submit documentation afterward.

5. Common Misunderstandings (Quick Truths)

❌ “We should wait for insurance approval.”
✅ Delaying care can increase risk. Buy now, submit after.

❌ “If my friend’s plan covered it, ours will too.”
✅ Plans vary. Always confirm with your provider.

❌ “The store decides what’s eligible.”
✅ Your clinician and insurer decide. We just provide the info.

6. Downloads & Support

  • [Insurance Request Packet] — includes general product description and clinician note template (education-only)
  • [Sample Itemized Estimate] — helpful when speaking with your plan or clinician

Need help choosing equipment or figuring out setup?
📞 Call/Text: (833)-324-4159
🕗 Mon–Sun, 8am–8pm PT
📧 Email: support@recoverathomenow.com