Pay with HSA/FSA
Use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to purchase Sleepbuds using pre-tax dollars.*
1-Year Warranty
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30-night trial
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FREE Shipping
*HSA/FSA eligibility requires a brief telehealth consultation through Flex. Eligibility is determined per customer; not all customers qualify, and FSA eligibility may vary by employer plan.
4 steps. About 90 seconds. Fully online.
We've partnered with Flex to make HSA/FSA checkout simple. No fax machines. No paperwork mailed to your insurance.
Add Sleepbuds to your cart
Choose your bundle on the Sleepbuds page below and head to checkout.
Look for: Flex | Pay with HSA/FSA
Select Flex at checkout
On the payment screen, choose Flex | Pay with HSA/FSA as your payment method.
Don't see it? Check out as guest
Quick eligibility consult
A 60-second chat-based health intake determines if you qualify for a Letter of Medical Necessity (LMN).
No phone calls. No appointments.
Pay & get your receipt
Use your HSA/FSA card directly. Don't have it on you? Pay with a credit card and submit the itemized receipt for reimbursement.
Confirmation email = itemized receipt
Using Shop Pay or Apple Pay? Read this first.
Express checkout flows hide alternative payment methods. To see Flex | Pay with HSA/FSA, exit the Shop Pay popup and choose Check out as guest. Or open the cart in an incognito window.
Start checkoutBuilt for sleep. Backed by clinicians.
Sleep is recognized as a foundational health input. Sleepbuds were engineered specifically to address sleep disruption — that's why they may qualify for HSA/FSA reimbursement with a Letter of Medical Necessity.
Engineered for sleep, not playback.
Precision sound-masking, sleep-specific tuning, and 14-hour battery — designed to address sleep disruption, not just play music.
Clinically reviewed.
Designed in consultation with sleep medicine physicians on Ozlo's Medical Advisory Board. CES 2025 Innovation Awards Honoree.
Documented for your records.
Flex provides an itemized receipt and, when needed, a Letter of Medical Necessity — everything your HSA/FSA administrator needs.
Ozlo Sleepbuds 2
Clearer sound. Longer battery.
A more dependable night.Up to 14 hours of battery life, improved connectivity, and a refined design for all-night comfort. Now with Sleep Patterns and environment insights to help you understand and improve your sleep over time.
- 30-day return policy
- 1-year warranty
- Shop Pay Financing available at checkout.
- Fast secure checkout with Flex
- 100% HSA/FSA eligible purchase
- Processed in seconds
Frequently purchased with this:
Safeguard Your Sleepbuds with OzloCare Protection
Coverage Includes:
- Protection against accidental damage (drops, spills, cracks)
- Mechanical and hardware defects, beyond warranty
- Loss and theft
- 24/7 support for fast repairs and replacements
- Unlimited claims
- $0 Service Fee
Dr. Meredith Broderick
Neurologist and Sleep Medicine Physician, Ozlo Medical Advisory Board Member
"The Ozlo Sleepbuds offer a comfortable, non-pharmacological way to block out disruptive nighttime noise and create a peaceful sleep environment.”
Dr. Rebecca Robbins, PhD
Associate Sleep Scientist at Brigham and Women’s Hospital, Ozlo Medical Advisory Board member.
"The right environment sets the stage for a great night's sleep, and sound is a critically important ingredient in the recipe for sound slumber."
What's an HSA, an FSA, and a Letter of Medical Necessity?
Three quick definitions so you know exactly what you're working with at checkout.
HSA & FSA, in plain English
HSA (Health Savings Account) — pre-tax dollars tied to a high-deductible plan. Funds roll over year after year, and they're yours forever.
FSA (Flexible Spending Account) — pre-tax dollars set aside through your employer. Usually "use it or lose it" by year-end (or a short grace period). If yours expires soon, this is the time.
In both cases, every dollar you spend pre-tax is a dollar that wasn't taxed — that's where the ~30–40% savings come from.
Will I qualify? Here's how Flex decides.
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1
You add Sleepbuds and select Flex at checkout.
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2
You answer ~5–10 questions about your sleep — snoring, insomnia, sleep disruption, schedule.
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3
A licensed clinician reviews the intake and determines if Sleepbuds are appropriate for you.
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4
If approved , you get a Letter of Medical Necessity (LMN) and complete checkout with your HSA/FSA card.
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5
If not , no charge — switch to credit card, or skip the purchase.
Eligibility is plan- and individual-dependent. Documentation may be required. We do not guarantee approval.
What customers say after using HSA/FSA on Sleepbuds.
“Used my FSA before it expired in December. Saved about $90 and finally got something my entire household benefits from.”
“The Flex consult took maybe 90 seconds. I was honestly waiting for a catch — there isn't one. They emailed the receipt right away.”
“I will save my Sleepbuds in a fire. My husband and my dog both snore, and I've tried every kind of device to mask the noise. Sleepbuds are the only thing that work.”
“As a side sleeper, I had given up on earbuds at night. Sleepbuds changed everything — and using my HSA dollars made it a no-brainer.”
“Whether my partner is snoring or I'm traveling, Sleepbuds guarantee I get the quality sleep my body depends on.”
“Most restful, uninterrupted sleep ever. The HSA discount made me stop overthinking it and just buy them.”
Everything you need to know about Sleepbuds 2
Try Sleepbuds risk-free.
30-night sleep trial
Sleep on them for a month.
1-year warranty
Defects, fully covered.
Free shipping & returns
Both ways, on us.
HSA/FSA, answered honestly.
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.
Ozlo has partnered with Flex so customers can use a Health Savings Account (HSA) or Flexible Spending Account (FSA) to buy eligible Ozlo products with pre-tax dollars. Flex powers the HSA/FSA checkout experience on ozlosleep.com, handling eligibility verification, telehealth consultations where needed, and reimbursement documentation.
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.
Some products require documentation from a licensed healthcare provider stating that the item is necessary to treat or manage a specific medical condition. If the product requires a Letter of Medical Necessity (LOMN), Flex facilitates a chat-based consultation that generates the Letter in real time.
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.
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.
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.
Because HSA/FSA contributions are pre-tax, paying with these funds can save customers up to 30–40% versus paying with post-tax dollars, depending on their individual tax bracket.
Sleep better. Spend
pre-tax.
pre-tax.