Origin
The Sauna Twins
Finnmark began in 2016, born from brothers Jake and Max Newport's frustration with how saunas were represented in the UK—often little more than hot boxes with hidden heaters.
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Finnmark | SKU:
FD-KN005
Finnmark FD-5 Trinity XL Infra-Steam Sauna 4-Person
Authorized Dealer
Manufacturer's Warranty Included
Financing and HSA/FSA options may be available — ask us for details with your quote
Complimentary Shipping
Lifetime Warranty
Lifetime Support
Get your personalized quote
Authorized dealer pricing, free shipping, lifetime warranty — talk to a specialist 7 days a week.
For Commercial Buyers
Planning a wellness installation?
Sauna Republic partners with commercial clients on project-based installations — from single-unit boutique studios to multi-unit hotel rollouts. Dedicated project managers, direct-from-manufacturer pricing, and full commercial warranty coverage.
Hotels & Resorts
Day Spas
Fitness Centers
Wellness Clinics
Medical & PT
🌲 Sauna Republic gives back
We donate 1% of profits annually to the Arbor Day Foundation — helping plant trees and protect forests.
Finnmark Sauna
The UK's Authentic Finnish Sauna Specialists
Bringing Real Sauna Culture to Britain
Founded by brothers who fell in love with Finnish sauna culture while traveling, Finnmark is bringing the real sauna experience to homes across Britain.
Recognition
First International Member
Their dedication didn't go unnoticed. Finnmark became the first international member of the prestigious Sauna from Finland network. In 2021, Jake was nominated Sauna Ambassador by Sauna from Finland.
"We exist to ensure that as many people as possible can enjoy the genuine benefits of sauna."
Growth
From Two to Forty
What started as a two-person passion project has grown into a team of forty, operating from headquarters in Spennymoor, Durham.
Why Choose Finnmark Sauna
Sauna from Finland
First international member of the network.
Sauna Ambassador
Jake Newport nominated 2021.
40-Person Team
Passionate sauna enthusiasts.
Buy Now, Pay Later
FLEXIBLE PAYMENT OPTIONS
Financing Options for Every Budget
Split your purchase into easy monthly payments. Rates as low as 0% APR for qualified buyers. Check your rate in seconds — no impact to your credit score.
How Shop Pay Installments Works
1
Select Shop Pay
Choose Shop Pay at checkout and select installments
2
Quick Approval
Get approved in seconds with no hard credit check
3
Pay Over Time
Split into 4 payments or monthly installments
Calculate Your Monthly Payment
See how affordable your sauna can be
$
*Payment options through Shop Pay Installments are subject to eligibility check and may not be available in all states. Actual terms may vary based on creditworthiness.
Shop Now — Pay Later
Select Shop Pay at checkout to see your options
⚠️ Shop Pay Installment Purchases Are Final Sale
All purchases made using Shop Pay Installments are final sale and cannot be returned or refunded.
Please ensure you've selected the right product before completing your purchase. Our team is available at (302) 273-0861 to answer any questions before you buy.
Why Finance With Shop Pay?
🎯
No Hidden Fees
What you see is what you pay. No surprises, no prepayment penalties.
⚡
Instant Decision
Know your approval status in seconds, right at checkout.
🔒
Soft Credit Check
Checking your rate won't affect your credit score.
💳
Use Any Card
Pay with any debit or credit card for your installments.
Frequently Asked Questions
Which payment methods are accepted for installments?
For 0% interest plans (Pay in 4), both debit and credit cards are accepted. For monthly plans with interest, only debit cards are accepted.
Can international customers use Shop Pay Installments?
No — Shop Pay Installments is only available to customers with a U.S. billing address and U.S. mobile phone number.
What is the maximum order amount?
$30,000 USD including shipping, taxes, and discounts.
Are there late fees?
No late fees ever, even if you miss a payment.
What happens if I miss a payment?
No late fees. However, late or partial payments may affect your credit score or future eligibility with Affirm.
What is the return policy for Shop Pay purchases?
All Shop Pay Installment purchases are final sale and cannot be returned or refunded. Please ensure you've selected the right product before completing your purchase. Contact us at (302) 273-0861 with any questions before buying.
Rates from 0–36% APR. Payment options through Shop Pay Installments, provided by Affirm, are subject to an eligibility check and may not be available in all states. Options depend on purchase amount and a soft credit check may be conducted. No late fees. Estimated payment amount excludes taxes and shipping. Actual terms are based on your creditworthiness. See affirm.com/disclosures for details. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license.
Ready to Get Started?
Browse our collection and select Shop Pay at checkout to see your personalized payment options.
Shop SaunasQuestions about financing? (302) 273-0861
Shipping & Delivery
We offer free shipping on every order to the continental United States — including saunas, cold plunges, heaters, and accessories. Tracking is provided on every shipment.
Estimated Delivery Times
Clearlight Saunas & Cold Plunges
7–14 business days (in stock)
Clearlight Accessories & Wellness Devices
5–10 business days
Dundalk LeisureCraft Saunas
8–12 weeks (handmade to order)
Saunas, Cold Plunges & Tubs (All Other Brands)
1–8 weeks
Lumaflex Red Light Therapy
5–10 business days
Everything Else
1–2 weeks
All delivery times are estimates and may extend due to carrier delays or unforeseen circumstances. Backordered items ship when available — we confirm your ETA at time of order. Tracking is emailed as soon as your order ships.
How Freight Delivery Works
Large items (saunas, cold plunges, hot tubs) ship via LTL freight. Smaller items (heaters, accessories, wellness devices, Lumaflex, red light towers) ship via UPS, FedEx, or USPS.
1. We ship your order. Tracking is emailed to you with the estimated delivery timeline.
2. The carrier calls you. The freight company calls to schedule your delivery appointment. You pick the date and time window.
3. Curbside delivery. Delivery is to the curb via semi-truck with liftgate (when available). You'll need a plan to move it from the curb to its final location.
4. Sign and inspect. You must be present to sign. Inspect for damage before signing — note any issues on the delivery receipt.
Unloading Your Sauna
The driver delivers to the curb only. You are responsible for moving the product to its final location. Have equipment and help arranged before delivery day.
Rent a forklift — Most common choice. Requires forklift extensions. ~$150–300/day.
Hire a tilt tow truck — Flatbed tow with tilt/slide functionality. ~$200–400.
Hire a rigging/moving crew — Professional movers with equipment. Get quotes in advance.
Tilt tow service (Dundalk only) — Available for $750. Contact us to add to your order.
Clearlight saunas ship in flat panels, not pre-assembled crates. Most can be carried inside by two people without heavy equipment. Dundalk saunas ship in crates exceeding 92" and 800–1,600 lbs — liftgate service is not available for these shipments.
Damage Claims
If your order arrives damaged, we'll get you a replacement as quickly as possible.
1. Inspect packaging for visible damage before signing.
2. Note damage on the delivery receipt — write "damaged" and have the driver sign.
3. Take photos of packaging and product damage.
4. Email photos to info@thesaunarepublic.com with your order number within 24 hours.
5. We file the claim and ship your replacement.
Damage must be reported within 24 hours of delivery with photos. Claims filed after 24 hours may not be eligible for a free replacement. Always note visible damage on the delivery receipt — even if it seems minor.
Carriers & Address Info
We reserve the right to select the carrier for all shipments.
Small items (heaters, accessories, wellness devices, red light towers) — UPS or FedEx
Large items (saunas, cold plunges, hot tubs) — LTL freight carriers
Lumaflex devices — UPS, FedEx, or USPS
Once large items ship, we cannot change addresses or schedule specific delivery dates. If an item is returned due to an incorrect address, you're responsible for shipping costs both ways. If freight delivery fails because the carrier couldn't access your property, it's treated as a return per our return policy.
Remote Areas & Special Locations
Alaska, Hawaii & Puerto Rico — Contact Us Before Purchase
Free shipping does not apply to these locations (except Lumaflex — ships free nationwide). Contact us for a custom shipping quote before ordering. Orders placed without prior approval may be cancelled.
APO/FPO addresses: We ship to military addresses, subject to USPS restrictions. Additional fees may apply.
Remote/hard-to-reach areas: Additional fees may apply. We'll contact you before shipping if your location requires special arrangements.
For any policy omission or clarification, the individual manufacturer policy applies without exception. By placing an order with Sauna Republic, you consent to our shipping and return policies.
Last updated April 18, 2026 · © Sauna Republic. All rights reserved.
Returns & Refunds
Shop Pay Installments — All Sales Final
Purchases made with Shop Pay Installments financing cannot be returned or refunded regardless of product type. Contact us at (302) 273-0861 before purchasing if you have questions.
Standard Return Policy
Applies to all products unless a brand-specific exception is listed below.
30-Day Return — Unused Items, Full Refund
Item must be unused and in original packaging.
Return must be initiated within 30 days of delivery.
Customer arranges and pays return shipping.
All returns require prior authorization from Sauna Republic.
Refund processed to original payment method within 5–7 business days.
Brand-Specific Exceptions
If your product is from one of these brands, the brand policy applies instead of the standard policy.
Clearlight Infrared
Clearlight products follow a split return policy based on product type.
All Sales Final — No Returns
All Clearlight infrared saunas (Sanctuary, Premier, and Outdoor models)
Clearlight Cold Plunge
Clearlight Curve Dome Sauna & Amethyst PEMF Mat
Halo One consumables (saline refills, cleaning capsules)
Halo One Breathe Easy Face Mask (personal hygiene item)
30-Day Return — Unused, 25% Restocking Fee
Halo One Salt Therapy Halogenerator
Aroma One Aromatherapy Diffuser
Red Light Therapy Towers (CORE, Full Body, Personal)
Vibrational Resonance Therapy (VRT)
UV Wand, Recliner Chair, Ergonomic Backrest
Conditions: unopened, unused, original packaging, like-new condition. Customer pays return shipping via prepaid freight. 25% restocking fee deducted from refund. Prior authorization required.
Defective Products
Covered by the full manufacturer warranty (Lifetime residential for saunas, varies by product).
Contact Sauna Republic — we handle the warranty claim and arrange replacement.
No restocking fee on warranty claims.
Damaged Shipments
1. Do not refuse the delivery — accept the shipment.
2. Inspect immediately with the delivery driver present.
3. Document damage on the bill of lading — note exact damage, have driver sign.
4. Take photos of packaging and product damage.
5. Contact Sauna Republic within 24 hours — email photos to info@thesaunarepublic.com.
6. We file the freight claim and arrange a replacement at no cost to you.
Concealed damage (not visible until unboxing) must be reported within 15 calendar days of receipt with proof the carrier caused the damage.
Lumaflex
30-Day Return — No Restocking Fee
Applies to all Lumaflex Red Light Therapy Devices (Body Pro Kit, Essential, Essential Pro).
Full refund with no restocking fee.
Product can be opened and used, but must be in full working condition with all original components.
Customer arranges and pays return shipping.
30 days from delivery to initiate return.
Defective units are replaced at no cost under the 2-year manufacturer warranty.
HealthyLine
90-Day Trial — PEMF & Far Infrared Heating Mats and accessories.
90-Day Trial Return
Applies to all HealthyLine heating mats, wraps, bolsters, and covers.
Return must be initiated within 90 days of delivery.
Product may be opened and used, but must show only normal wear with minimal visible use. All accessories must be included.
Customer arranges and pays return shipping.
Refund processed to original payment method within 5–10 business days after the item is received and inspected.
Restocking Fee
No restocking fee for returns in normal condition within the 90-day window.
A restocking fee of 20–50% applies if the product is returned damaged, stained, or with an odor.
Exchanges
Exchanges are available within the 90-day window. If a different item is selected, you pay the price difference or receive a partial refund, as applicable.
Final Sale — Non-Returnable
Items marked "clearance" or "final sale."
Bedding items that have been used.
Defective Products
Contact Sauna Republic first — we coordinate the replacement with HealthyLine.
The defective unit must be received back before the replacement is issued.
If a product arrives damaged, defective, or non-working, replacement and shipping are covered at no cost. If damage is caused by improper use, the customer is responsible for the replacement and shipping.
Warranty
Most AC-powered mats and controllers carry a 5-Year Limited Warranty. Other products typically carry a 1-year warranty.
Warranty claims are filed directly with HealthyLine. Contact Sauna Republic if you need help getting started.
Dundalk Canadian Timber
All Sales Final — No Returns
All Dundalk products (saunas, cold plunges, accessories) are handcrafted to order in Ontario, Canada. Returns and refunds are not available. Full manufacturer warranty applies for defects.
Cancellation
Within 14 days of order — full refund, no fee.
After 14 days — $65 cancellation fee applies.
Once production begins — cannot be cancelled (typically 2+ weeks after order).
Backorder Cancellation
Orders containing backordered items are subject to a 6% cancellation fee as we are charged by our payment processor when backorders are cancelled. All lead times are estimates and subject to change.
HSA/FSA Purchases
Our standard return policy applies to all HSA/FSA purchases. Products with brand-specific exceptions follow those policies. There is no IRS requirement that HSA/FSA purchases be final sale.
HSA/FSA refunds are processed back to your original HSA/FSA card within 3–10 business days. Truemed cannot redirect refunds to a different payment method.
HSA holders: Notify your custodian to treat the original purchase as a "mistaken distribution" under IRS Notice 2004-50. Returned funds are not subject to income tax or penalties.
FSA holders: The refund goes back to your FSA plan via the original card. If your plan year has ended, the use-it-or-lose-it rule may apply. FSA holders should be especially sure of their purchase before buying.
Damage Claims
If your order arrives damaged, we will resolve it as quickly as possible.
1. Inspect packaging for visible damage before signing.
2. Note damage on delivery receipt — write "damaged" and have the driver sign.
3. Take photos of packaging and product damage.
4. Email photos to info@thesaunarepublic.com with your order number within 24 hours.
5. We handle the claim and arrange replacement.
Clearlight products: Do not refuse delivery — accept, document, and report to us. We file the freight claim and arrange replacement. Concealed damage must be reported within 15 calendar days. See Clearlight policy for full details.
Lumaflex products: Email photos within 24 hours and we arrange a replacement under the manufacturer warranty.
HealthyLine products: Report any damage within 48 hours of delivery with photos. We coordinate the replacement with HealthyLine; if the product arrived damaged or defective, replacement and shipping are covered at no cost. See HealthyLine policy for full details.
How to Return
Follow the steps for your product's return policy.
Standard Return (Most Products)
1. Email info@thesaunarepublic.com with your order number within 30 days of delivery.
2. We send return instructions and shipping address within 24 hours.
3. Ship the product back — unused, in original packaging. Customer pays shipping.
4. Full refund within 5–7 business days after item is received.
Clearlight — Returnable Accessories & Devices
1. Email info@thesaunarepublic.com with your order number within 30 days of delivery.
2. We confirm eligibility and send return instructions within 24 hours.
3. Ship via prepaid freight — unopened, unused, original packaging, like-new condition.
4. Refund minus 25% restocking fee within 5–7 business days after inspection.
Applies to: Halo One device, Aroma One, Red Light Towers, VRT, UV Wand, Recliner Chair, Ergonomic Backrest. All other Clearlight products are final sale.
Lumaflex Devices
1. Email info@thesaunarepublic.com with your order number within 30 days of delivery.
2. We send return instructions and return address within 24 hours.
3. Ship the product — can be opened and used, must be in full working condition with all original components. Customer pays shipping.
4. Full refund (no restocking fee) within 5–7 business days after receipt.
HealthyLine Heating Mats & Accessories
1. Email info@thesaunarepublic.com with your order number within 90 days of delivery.
2. We send return instructions and return address within 24 hours.
3. Ship the product — may be opened and used, must show only normal wear with all accessories included. Customer pays shipping.
4. Refund within 5–10 business days after the item is received and inspected. No restocking fee unless the item is returned damaged, stained, or with an odor (20–50%).
Warranty claims are filed directly with HealthyLine. Clearance, final-sale, and used bedding items are non-returnable.
Fine Print
Standard return policy (30-day, unused, full refund) applies to all products unless a brand-specific exception is listed. Clearlight saunas, Cold Plunge, Curve Dome, PEMF Mat, consumables, and hygiene items are final sale. Returnable Clearlight accessories carry a 25% restocking fee. Lumaflex devices may be opened and used; no restocking fee. HealthyLine heating mats and accessories carry a 90-day trial (may be opened and used; no restocking fee unless returned damaged, stained, or with odor, in which case 20–50% applies); HealthyLine warranty claims are filed directly with the manufacturer. All Dundalk products are final sale.
All returns require prior authorization. Unauthorized returns will not be accepted. Refunds processed to original payment method within 5–7 business days (HealthyLine returns within 5–10 business days after inspection). HSA/FSA refunds go back to the original HSA/FSA card within 3–10 business days.
Shop Pay Installment purchases are final sale — no returns or refunds. Backorder cancellations are subject to a 6% fee.
We may modify return terms. Purchases are honored under the terms in effect at time of purchase.
Questions About Returns?
(302) 273-0861 · info@thesaunarepublic.com
Monday – Sunday, 9 AM – 5 PM EST
For any policy omission or clarification, the individual manufacturer policy applies without exception. By placing an order with Sauna Republic, you consent to our shipping and return policies.
Last updated June 12, 2026 · © Sauna Republic. All rights reserved.
Resources
Features
What's Included?
Specifications
Description
HSA/FSA Eligible — Use pre-tax dollars and save up to 35%
Use HSA/FSA Funds for Your Wellness Investment
Qualified customers save ~30% with pre-tax dollars. A Letter of Medical Necessity is required — Truemed handles it at checkout.
Authorized Dealer for 12+ Premium Brands
Checking out with Truemed is easy
1. Checkout
Select "Truemed - Pay with HSA/FSA" at checkout.
2. Complete Health Assessment
An independent licensed practitioner reviews your answers and, if you qualify, issues a Letter of Medical Necessity (LMN).
3. Make Your Purchase
Pay with your HSA/FSA card, or use a regular credit card and submit for reimbursement later.
How does using my HSA/FSA benefit me?
HSA/FSA accounts allow you to use pre-tax money for qualified health expenses. Because you're spending dollars that were never taxed, you keep more of your income.
Spending from
Bank Account
From your wages $100
Paid in taxes* -$30
Available to spend $70
Spending from
HSA or FSA
From your wages $100
Paid in taxes No Taxes!
Available to spend $100
Calculate Your Tax Savings
See how much you save using pre-tax HSA/FSA funds
$
Paying with After-Tax $
$8,571
You must earn this much
Paying with HSA/FSA
$6,000
You save $2,571!
Our Standard Return Policy Applies
HSA/FSA purchases are covered by the same return policy as all Sauna Republic orders. If you need to return a product, refunds are processed back to your original HSA/FSA card.
Refunds typically take 3-10 business days to appear on your statement. Some products are final sale regardless of payment method — see our full return policy for details by brand.
Have questions before purchasing? Contact our team — we're happy to help you choose the right product.
HSA/FSA: Everything You Need to Know
Answers based on IRS guidance, Truemed documentation, and real-world HSA/FSA administrator practices.
Eligibility & Qualification
How do I know if I qualify to use HSA/FSA?
Eligibility is determined on a per-customer basis, not by product. During checkout, you'll complete a short health assessment through Truemed. An independent licensed practitioner reviews your responses and, if your health situation qualifies, issues a Letter of Medical Necessity (LMN). Not every customer will qualify — the practitioner makes the final determination based on clinical criteria. If you don't qualify, you can still purchase using standard payment methods.
What health conditions typically qualify?
Common qualifying conditions include chronic pain, arthritis, cardiovascular concerns, muscle recovery needs, stress/anxiety management, sleep disorders, chronic inflammation, and metabolic conditions. The key requirement under IRS rules is that the purchase must be primarily for treating, preventing, or mitigating a specific diagnosed medical condition. General wellness, relaxation, or athletic performance goals do not qualify. The licensed practitioner makes the final determination based on your individual health assessment.
What products are eligible for HSA/FSA checkout?
Truemed reviews and approves individual products through its compliance team. If a product is eligible, you'll see the "Truemed - Pay with HSA/FSA" option at checkout. If you don't see the option, that product hasn't been approved. Eligibility can change as Truemed reviews new products, so check back if an item you're interested in isn't currently showing the HSA/FSA payment option.
Can I use HSA or FSA funds on accessories or other products beyond a sauna?
Your Letter of Medical Necessity can cover multiple products and product categories. If the Truemed HSA/FSA payment option appears at checkout for a product, it has been reviewed and approved by Truemed's compliance team. The same checkout process applies to all eligible products — select "Truemed - Pay with HSA/FSA" and complete the health assessment.
How to Pay
Can I use my HSA debit card directly?
Yes. HSA debit cards work at most merchant categories with minimal scrutiny at the point of sale. Your HSA administrator processes the charge like any debit transaction — they see the merchant name and total amount, but not individual line items. Select "Truemed - Pay with HSA/FSA" at checkout and enter your HSA card details. Keep your Letter of Medical Necessity on file in case of an IRS audit.
Can I use my FSA debit card directly?
We recommend paying with a regular credit card and submitting for reimbursement instead. FSA cards frequently decline at non-medical merchant categories, and FSA administrators are required by law to substantiate every claim — unlike HSA administrators, they actively review whether each purchase qualifies. The most reliable process for FSA holders: pay with your regular credit card at Truemed checkout, receive your LMN, then submit your receipt and LMN to your FSA administrator for reimbursement.
Can I split payment between HSA/FSA and a regular card?
Yes. Truemed supports split payments. You can pay part of the purchase with your HSA/FSA card and the remainder with a regular credit or debit card. You can also pay the full amount with a credit card and submit for partial reimbursement — for example, reimburse $3,400 from your FSA and pay the rest out of pocket. This is especially useful when your account balance is lower than the product price.
How does the reimbursement process work?
If you pay with a regular credit or debit card: complete the Truemed checkout and health survey, receive your Letter of Medical Necessity (usually within 24-48 hours), then submit your purchase receipt along with the LMN to your HSA/FSA administrator. Most administrators process claims within a few days. The specific steps and timeline vary by plan — check with your HR department or plan provider for their submission process.
HSA vs FSA: Key Differences
What's the difference between HSA and FSA for purchases?
HSA (Health Savings Account): You own the account. Funds roll over year to year and never expire. Requires a high-deductible health plan. HSA administrators generally do not review individual purchases at the point of sale — the account holder is responsible for ensuring expenses qualify. In an IRS audit, you'd need to produce your LMN and purchase records.
FSA (Flexible Spending Account): Your employer sponsors the account. Funds typically expire at the end of the plan year, though some plans allow a small carryover or grace period. FSA administrators must substantiate every claim and actively review whether purchases qualify. This makes FSA claims more likely to be scrutinized.
Bottom line: HSA is generally smoother for high-ticket purchases. FSA works but requires more careful documentation and the reimbursement pathway is safer than direct card use.
FSA (Flexible Spending Account): Your employer sponsors the account. Funds typically expire at the end of the plan year, though some plans allow a small carryover or grace period. FSA administrators must substantiate every claim and actively review whether purchases qualify. This makes FSA claims more likely to be scrutinized.
Bottom line: HSA is generally smoother for high-ticket purchases. FSA works but requires more careful documentation and the reimbursement pathway is safer than direct card use.
What are the 2026 HSA and FSA contribution limits?
HSA: $4,400 individual, $8,750 family, plus $1,000 catch-up if 55+. HSA funds roll over indefinitely.
FSA: $3,400 per year. Most FSA plans follow a use-it-or-lose-it rule — some allow a $640 carryover or a 2.5-month grace period.
If your purchase exceeds your available balance, you can split payment or pay with a credit card and submit for partial reimbursement.
FSA: $3,400 per year. Most FSA plans follow a use-it-or-lose-it rule — some allow a $640 carryover or a 2.5-month grace period.
If your purchase exceeds your available balance, you can split payment or pay with a credit card and submit for partial reimbursement.
My FSA funds expire soon — can I still use them?
Yes, and this is one of the smartest uses of expiring FSA dollars. If you have unused FSA funds approaching your plan year deadline, purchasing an eligible product puts those pre-tax dollars to work rather than forfeiting them. Check your plan's exact expiration date with your HR department. For next year, open enrollment is typically October through November — you can increase your FSA election if you're planning a larger purchase.
After Your Purchase
What is the return policy for HSA/FSA purchases?
Our standard return policy applies to all HSA/FSA purchases — there is no "final sale" restriction. No IRS rule requires HSA/FSA purchases to be final sale. If you need to return a product, the refund is processed back to your original HSA/FSA card within 3-10 business days.
For HSA holders returning a product: Once the refund hits your HSA, the original purchase is no longer a qualified medical expense. You can notify your HSA custodian to treat it as a "mistaken distribution" under IRS Notice 2004-50. Funds returned this way are not subject to income tax or the 20% penalty, and they don't count against your annual contribution limit. The deadline to report this is April 15 following the year you learned of the return. Most HSA custodians accept mistaken distributions, though they are not required to.
For FSA holders returning a product: The refund goes back to your FSA plan via the original card. If your plan year has already ended, the use-it-or-lose-it rule may apply — returned funds could be forfeited to the employer plan rather than credited back to you. FSA holders should be especially sure of their purchase before buying.
Our team is available before and after purchase to help you choose the right product.
For HSA holders returning a product: Once the refund hits your HSA, the original purchase is no longer a qualified medical expense. You can notify your HSA custodian to treat it as a "mistaken distribution" under IRS Notice 2004-50. Funds returned this way are not subject to income tax or the 20% penalty, and they don't count against your annual contribution limit. The deadline to report this is April 15 following the year you learned of the return. Most HSA custodians accept mistaken distributions, though they are not required to.
For FSA holders returning a product: The refund goes back to your FSA plan via the original card. If your plan year has already ended, the use-it-or-lose-it rule may apply — returned funds could be forfeited to the employer plan rather than credited back to you. FSA holders should be especially sure of their purchase before buying.
Our team is available before and after purchase to help you choose the right product.
What happens if my claim is denied by my plan administrator?
A claim denial does not affect your purchase with Sauna Republic. You already own the product and we already have your payment. The denial is a matter between you and your HSA/FSA plan — it does not create a reversal or chargeback against your order.
Step 1 — Contact Truemed. Email support@truemed.com with your denial notice, the reason given, and any codes provided. Truemed's team will work with their Medical Group to rewrite your LMN to meet your administrator's specific requirements. Truemed reports overturning the majority of denied claims through this process.
Step 2 — Resubmit. Submit the updated LMN to your administrator.
If the appeal fails: Truemed's Terms of Service include a discretionary provision where they may offer approximately 30% of the purchase price to offset your lost tax savings. This is Truemed's payment to you directly — it is not charged to or deducted from your order. This payment is at Truemed's sole discretion and is not guaranteed.
Common denial reasons: Missing or incomplete LMN, LMN dated after the purchase, a cart mixing eligible and ineligible items, or the administrator requiring a specific form.
Step 1 — Contact Truemed. Email support@truemed.com with your denial notice, the reason given, and any codes provided. Truemed's team will work with their Medical Group to rewrite your LMN to meet your administrator's specific requirements. Truemed reports overturning the majority of denied claims through this process.
Step 2 — Resubmit. Submit the updated LMN to your administrator.
If the appeal fails: Truemed's Terms of Service include a discretionary provision where they may offer approximately 30% of the purchase price to offset your lost tax savings. This is Truemed's payment to you directly — it is not charged to or deducted from your order. This payment is at Truemed's sole discretion and is not guaranteed.
Common denial reasons: Missing or incomplete LMN, LMN dated after the purchase, a cart mixing eligible and ineligible items, or the administrator requiring a specific form.
What if my administrator asks me to repay my HSA/FSA?
This can happen if your administrator determines the purchase was not a qualified medical expense after the transaction has already processed. The administrator asks you (the account holder) to repay the plan — this does not affect the merchant or your product order.
For HSA: If you repay the amount, your HSA custodian may process it as a return of a mistaken distribution. You would not owe income tax or the 20% penalty on the repaid amount.
For FSA: Your employer or TPA will typically deduct the amount from future paychecks or require direct repayment. FSA administrators have strong enforcement incentives because the employer's entire cafeteria plan could lose its tax-favored status if it reimburses non-qualified expenses.
We recommend working through the Truemed appeal process first — most denied claims can be resolved with an updated LMN before repayment becomes necessary.
For HSA: If you repay the amount, your HSA custodian may process it as a return of a mistaken distribution. You would not owe income tax or the 20% penalty on the repaid amount.
For FSA: Your employer or TPA will typically deduct the amount from future paychecks or require direct repayment. FSA administrators have strong enforcement incentives because the employer's entire cafeteria plan could lose its tax-favored status if it reimburses non-qualified expenses.
We recommend working through the Truemed appeal process first — most denied claims can be resolved with an updated LMN before repayment becomes necessary.
Can I use my LMN for future purchases?
Yes. Your Letter of Medical Necessity is valid for 12 months from the date of issuance. During that period, you do not need to complete the health survey again for additional eligible purchases. You still need to submit each new receipt to your HSA/FSA administrator for reimbursement. After 12 months, you would need a new health assessment through Truemed.
What if my HSA/FSA account is closed after my purchase?
If you need a refund and your HSA/FSA account has been closed, the refund still posts to that account. You'll need to work directly with your former plan administrator to retrieve the funds — Truemed cannot redirect refunds to a different payment method. This is a compliance requirement enforced by both IRS rules and the payment processor. Confirm your account is in good standing before purchasing.
Tax & IRS Considerations
What happens if the IRS audits my HSA/FSA purchase?
In an audit, you would need to demonstrate that the expense was a qualified medical expense. Your key documentation: (1) your Letter of Medical Necessity, (2) your purchase receipt, and (3) any correspondence with your HSA/FSA administrator. Keep these records for at least 3 years from your tax return filing date.
For HSA purchases, the account holder bears full responsibility for ensuring expenses qualify — HSA administrators do not police purchases. For FSA purchases, your administrator has already substantiated the claim, which provides additional documentation.
The audit risk is on the account holder, not the merchant. Sauna Republic has no IRS reporting obligations related to your HSA/FSA payment.
For HSA purchases, the account holder bears full responsibility for ensuring expenses qualify — HSA administrators do not police purchases. For FSA purchases, your administrator has already substantiated the claim, which provides additional documentation.
The audit risk is on the account holder, not the merchant. Sauna Republic has no IRS reporting obligations related to your HSA/FSA payment.
What are the penalties for a non-qualified HSA distribution?
If an HSA distribution is determined not to be a qualified medical expense, the account holder owes income tax on the full amount plus a 20% additional tax penalty. For example, on an $8,000 non-qualified distribution at a 30% marginal rate, you would owe approximately $2,400 in income tax plus a $1,600 penalty — roughly $4,000 total. This underscores the importance of having a legitimate medical condition and a properly issued LMN. The 20% penalty does not apply if you are 65 or older, disabled, or if the distribution is returned as a mistaken distribution before the filing deadline.
Has the IRS said anything about using HSA/FSA for wellness equipment?
In March 2024, the IRS issued an alert (IR-2024-65) reminding taxpayers that general health and wellness expenses do not qualify for HSA/FSA unless prescribed to treat a specific diagnosed condition. The IRS cautioned that documentation based solely on self-reported health information may not meet legal requirements. No enforcement actions against consumers or merchants have been publicly reported, but the alert signals increased scrutiny.
This is why Truemed's health assessment involves a licensed practitioner making a clinical determination — not a rubber-stamp process. We encourage customers to be thorough and honest in the health assessment.
This is why Truemed's health assessment involves a licensed practitioner making a clinical determination — not a rubber-stamp process. We encourage customers to be thorough and honest in the health assessment.
General Questions
How long does the Truemed approval process take?
Most health assessments are reviewed within 24-48 hours. Once approved, you'll receive your LMN via email and your order processes immediately. If you don't see it in your inbox, check spam, then contact support@truemed.com.
What if I don't qualify for an LMN?
You can still purchase any product using standard payment methods — credit card, debit card, Shop Pay, or financing options. Not qualifying for HSA/FSA does not prevent you from buying. You may reapply at a later date if your health circumstances change.
Are there any fees for using Truemed?
There is no additional fee charged to you. The cost of the health assessment and LMN is included in the transaction. You pay the same product price whether you use HSA/FSA funds or a regular payment method.
Can I still get complimentary shipping with HSA/FSA?
Yes. Complimentary shipping and standard Sauna Republic promotions apply regardless of payment method. HSA/FSA customers receive the same benefits as every other customer. Note that promotional offers vary by brand — some manufacturers restrict bundled promotions on their products.
Ready to Invest in Your Health?
Qualified customers save ~30% with pre-tax HSA/FSA dollars. Select "Truemed - Pay with HSA/FSA" at checkout.
*Tax savings estimate based on a 30% combined federal/state tax rate. Actual savings depend on your individual tax situation. Truemed facilitates the Letter of Medical Necessity process through independent licensed healthcare providers. HSA/FSA eligibility is determined by the healthcare provider based on your individual health assessment, not by Sauna Republic. Not every customer will qualify. Final reimbursement decisions rest with your HSA/FSA plan administrator. Please consult your tax advisor for personalized guidance. Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures.
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