In the US, health savings accounts (HSA) and flexible spending accounts (FSA) are programs that allow you to set aside money (before taxes) for eligible healthcare expenses.
What is Eligible?
Making a Purchase
How do I submit purchases for indirect reimbursement?
How do I purchase directly with an FSA or HSA card?
What if I have problems using my FSA or HSA card?
What if I don’t have enough funds?
Can I gift an Oura Ring purchased with FSA or HSA funds?
Return, Exchange, or Cancel Order
Return for refund
Cancel an order
More Information
What is Eligible?
The Oura Ring, charger, and Oura Membership are HSA- and FSA-eligible items. Contact your provider to ensure your purchase meets their requirements, as plan providers and employers can set their own eligibility rules. In some cases, your HSA or FSA provider requires additional documentation for reimbursement.
Memberships cannot be purchased with an HSA or FSA card at this time. You can pay for your ongoing Oura Membership with a credit card or Paypal and follow the indirect reimbursement process. Invoices for recurring membership payments can be downloaded from the Membership Hub and sent to your provider.
Oura’s 2-year and 3-year extended warranties are not HSA- or FSA-eligible expenses.
Making a Purchase
How do I submit purchases for indirect reimbursement?
After purchasing your Oura Ring from the Oura online store, you can submit your Oura Ring confirmation email to your HSA or FSA provider as proof of purchase.
Contact your HSA or FSA provider to ensure your purchase meets their requirements, as plan providers and employers can set their own eligibility rules. In some cases, your HSA or FSA provider requires additional documentation for reimbursement.
If you are using FSA funds, your Oura Ring purchase must be made during your FSA plan year to be eligible for reimbursement. Some FSA providers may provide a grace period that extends beyond the plan year. Follow the below instructions for purchases from the Oura online store.
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Find your Oura Ring order confirmation. You may have received an email from orders@ouraring.com (subject line: Your order is being processed) or support@sikahealth.com (subject line: Your Sika FSA/HSA payment to Oura). If you can't locate your order confirmation, contact our Member Care team.
- Find your Oura Membership invoice. You can find invoices for your Oura Membership in the Membership Hub. Learn how by visiting this Oura Membership Help Center article.
- File a claim. Go to your HSA or FSA provider's website to fill out a claim form. Upload your order confirmation from Oura as proof of purchase. You can get reimbursed for your Oura Ring, including shipping and taxes, Oura Membership, and chargers
- Submit your claim. Submit your claim and all supporting documentation directly with your HSA or FSA provider
- If you need additional support filing a claim or have questions on eligible expenses, please contact your HSA or FSA provider
You can contact our Member Care Team here.
How do I purchase directly with an HSA or FSA card?
You can place an order on the Oura online store using your HSA or FSA card, just as you would with any other credit card.
Select HSA/FSA Cards when selecting a payment method during the checkout process.
Once you select Continue with Sika, you'll be taken to a third-party service for HSA/FSA payment where a review order window will display:
- A subtotal for items that you can purchase with your HSA or FSA card
- A subtotal for items that aren't eligible for HSA or FSA payment. You’ll need to use a different credit or debit card to purchase these items
Once you add an HSA or FSA card and a different credit or debit card, select Complete Purchase.
Sika will send a confirmation email after you complete your purchase. A confirmation email from support@sikahealth.com will be sent to the email address provided in the original order.
What if I have problems using my HSA or FSA card?
Please note that some transactions may be declined even though your HSA or FSA has sufficient funds. If you have any issues using your HSA or FSA card at checkout, ensure you have enough funds to make the purchase. You can then complete your purchase with a regular credit card or PayPal and follow the indirect reimbursement process.
What if I don’t have enough funds?
Depending on your card issuer, you may be able to complete your transaction by paying in part with your HSA or FSA card.
If your issuer allows partial authorization, your HSA/FSA subtotal will be automatically adjusted to the remaining balance on your HSA or FSA card account. You can then use a different credit or debit card to pay for the remaining expenses and complete your purchase. Oura gift cards cannot be used for split payments with HSA/FSA purchases.
Please note that if you use two different cards for payment, you can't manually select how much you pay with each card.
If your issuer doesn't allow partial authorization, you can complete your purchase with another credit or debit card and submit the Sika receipt to your HSA or FSA provider for reimbursement on eligible items.
Can I gift an Oura Ring purchased with FSA or HSA funds?
Under US federal law, HSA or FSA funds can only be used to purchase products for the account holder or their eligible dependents.
Return, Exchange, or Cancel Order
To return an Oura Ring purchased with HSA or FSA for a refund or exchange, or to cancel an order that has not yet shipped, please contact us for assistance.
You can contact our Member Care Team here.
Return for refund
If we're able to approve your return via our Return Policy, once we receive your Oura Ring following the guidelines outlined in this article, we/Sika will transfer any payment amount already received back to your HSA or FSA card account within 10 business days.
Due to federal tax regulations, all refunds for purchases made with HSA or FSA funds must be returned directly to the HSA or FSA card account from which the purchase was made. Only open HSA and FSA accounts may be refunded.
Cancel an order
Orders typically ship within 1-3 days of purchase. If your order has already shipped, you'll need to wait until your ring or sizing kit arrives, then follow the same return process.
If your order has not yet shipped, our team will be able to cancel the transaction and refund any payment back to your HSA or FSA card account. The refund to your HSA or FSA card will follow the same process detailed in the section above as well.
