Using Your Benefits Card on Amazon.com

Many participants find Amazon a convenient way to use their Flexible Spending Account (FSA) or Health Savings Account (HSA) funds before the end of the plan year. While Rocky Mountain Reserve is not affiliated with Amazon.com, we provide the following tips to help you navigate your purchases successfully.

The Amazon FSA/HSA Store

Amazon features a dedicated section entirely devoted to FSA and HSA eligible items. This storefront filters for products that are generally recognized as qualifying medical expenses, making it easier to ensure your funds are used correctly.

⚠️ Important Disclaimer: Rocky Mountain Reserve does not guarantee the eligibility of any specific item. The IRS determines which expenses are qualifying and may modify this list at any time.

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Why Shop for Benefits Items on Amazon?

• Convenience: You can add your benefits card directly to your Amazon Wallet just like a standard credit card.

• Eligible Fees: Shipping and applicable taxes for eligible medical items can typically be paid for using your benefits card.

• Avoid "Use It or Lose It": If you have a year-end deadline for your FSA, Amazon offers a fast way to purchase essential health supplies—like first aid kits, monitors, or sunscreens—to ensure your funds do not go to waste.

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How to Make a Purchase

1. Visit the Storefront: Navigate directly to the Amazon FSA/HSA Store.

2. Verify Eligibility: Look for the "FSA or HSA Eligible" badge on the product detail page.

3. Checkout: Select your benefits card as the payment method. By using your card at checkout, the merchant's system identifies the eligible items, often reducing the need for manual claim submissions.

4. Save Your Receipt: Even if your card is accepted, save a PDF of your itemized receipt. The IRS may still require documentation to substantiate the purchase later.

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A Note on Combined Carts

If your cart contains both medical items (like bandages) and non-medical items (like household snacks), Amazon may require you to provide a second form of payment for the ineligible portion. Ensure your benefits card is set as the primary payment for eligible items to avoid a transaction decline.

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