Heritage
Estonian Woodworking Tradition
Haljas Houses emerges from Estonia's rich tradition of woodworking, where craftsmen have shaped timber into functional art for centuries.
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Haljas Houses | SKU:
HELE-NANO
Haljas Houses Hele Nano Outdoor Sauna | 2-Person Mirror Glass Cabin
Authorized Dealer
Manufacturer's Warranty Included
Payment Options
Pay in 4
$2,150
0% interest
12 Months
$717/mo
0% APR
24 Months
$394/mo
as low as 0% APR
Select Shop Pay at checkout • No hard credit check to apply
⚠️ Final Sale: All Shop Pay Installment purchases are final sale and cannot be returned. The money-back guarantee does not apply to financed orders.
Without HSA/FSA
$12,286
Pre-tax income needed
With Truemed
$8,600
Tax-free HSA/FSA dollars
Your Tax Savings
$3,686
Select Truemed at checkout • Get qualified in minutes
⚠️ Final Sale: Due to IRS regulations, all HSA/FSA purchases via Truemed are final sale and cannot be returned. The money-back guarantee does not apply.
$1,000
Free Shipping
Full
Warranty
7 Days
Support
Sale price
$14,940.00
Regular price
$17,576.00
Unit price
/
Unavailable
🌲 Sauna Republic gives back
We donate 1% of profits annually to the Arbor Day Foundation — helping plant trees and protect forests.
Product Specifications
Type
Sauna
Capacity
2 Person
Haljas Houses Hele Nano Outdoor Sauna | 2-Person Mirror Glass Cabin
Sale price
$14,940.00
Regular price
$17,576.00
Unit price
/
Unavailable
Haljas Houses
Estonian Outdoor Living, Crafted by Hand
Where Traditional Craftsmanship Meets Contemporary Design
From the forests of Estonia comes a new vision for outdoor wellness—where traditional craftsmanship meets contemporary design in structures built to last generations.
Craftsmanship
Traditional Joinery, Modern Design
Working primarily with Nordic spruce and thermo-treated timber, Haljas craftsmen employ traditional joinery techniques refined over generations.
"Built for the outdoors, designed for life."
Design
Form Follows Function
Haljas designs embrace the Scandinavian principle that form follows function—but never at the expense of beauty.
Why Choose Haljas Houses
Estonian Craftsmanship
Traditional joinery techniques.
Thermo-Treated Timber
Premium Nordic spruce construction.
Architectural Design
Scandinavian minimalist aesthetic.
Buy Now, Pay Later
FLEXIBLE PAYMENT OPTIONS
0% APR Financing Available
Split your purchase into easy monthly payments with no interest. 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 (888) 833-2305 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 (888) 833-2305 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? (888) 833-2305
Shipping & Delivery
Last Updated: February 16, 2026
SAUNA REPUBLIC SHIPPING
Free Shipping on Every Order
We ship your entire order to your home for free — even the big stuff.
That's up to $2,000 in freight costs, on us.
✓ Free to Continental US ✓ Curbside Delivery ✓ $250 Damage Guarantee
Estimated Delivery Times
Saunas, Cold Plunges & Tubs
Estimated delivery: 1–8 weeks · May extend due to carrier delays or unforeseen circumstances
Lumaflex Red Light Therapy Devices
Estimated delivery: 5–10 business days · Tracking emailed after order is processed
Everything Else
Estimated delivery: 1–2 weeks · Tracking emailed within 24 hours of shipment
Lumaflex Red Light Therapy
Lumaflex Shipping Details:
• Shipping cost: Free nationwide (all 50 states + Puerto Rico)
• Delivery time: 5–10 business days from order processing
• Carrier: UPS, FedEx, or USPS
• Tracking: Emailed to you after your order is processed
⚠️ Shipping Coverage
Lumaflex products ship free nationwide, including Alaska, Hawaii, and Puerto Rico.
How Freight Delivery Works
Large items (saunas, cold plunges, hot tubs, large wood orders) ship via LTL freight. This is different from standard UPS/FedEx delivery — here's what to expect:
1
We Ship to Local Terminal
Your tracking shows ETA to the freight company's local warehouse (not your door).
2
Carrier Calls You
The freight company calls to schedule your delivery appointment. You pick the date/time.
3
Curbside Delivery
Delivery is to the curb via semi-truck with liftgate (when available). You'll need a plan to move it.
4
Sign & Inspect
You must be present to sign. Inspect for damage before signing — note any issues on the delivery receipt.
Dundalk Canadian Timber Saunas
⚠️ Special Delivery Requirements
Due to their size (crates often exceed 92" and 800-1,600 lbs), Dundalk saunas require special unloading equipment. Liftgate service is NOT available for these shipments.
Delivery Method: 18-wheel flatbed truck delivers curbside (not into your driveway). The trucking company is not responsible for unloading.
Dundalk-Specific Policies:
• Address changes after shipping: $250 fee
• Storage fees: May apply if delivery appointment is delayed beyond terminal holding period
• Cancellations: Free within 14 days of order · $65 fee after 14 days
Unloading Your Sauna
🚨 You Are Responsible for Unloading
The driver delivers to the curb only. Have equipment and/or help arranged BEFORE delivery day.
Your Options:
Option 1: Rent a Forklift
Most common choice. Requires forklift extensions to lift from the crate's end. Rental ~$150-300/day.
Option 2: Hire a Tilt Tow Truck
Some customers use flatbed tow trucks with tilt/slide functionality. ~$200-400.
Option 3: Hire a Rigging/Moving Crew
Professional movers with equipment. Get quotes in advance.
Option 4: Tilt Tow Service (Dundalk)
Available through Dundalk for $750. Contact us to add to your order.
Damage Claims
$250 Damage-Free Delivery Guarantee
$250 Cash + Free Replacement
Order arrives damaged? We pay you $250 cash AND ship a replacement at our expense. Photo within 24 hours to claim.
⚠️ Lumaflex Damage Claims
If your Lumaflex device arrives damaged, email info@thesaunarepublic.com with photos within 24 hours and we will arrange a replacement for you. The $250 Damage-Free Delivery Guarantee does not apply to Lumaflex orders.
How to File a Claim:
1. Inspect on arrival — Check packaging for visible damage before signing
2. Note damage on delivery receipt — Write "damaged" and sign
3. Take photos — Document packaging and product damage
4. Email us within 24 hours — Send photos to info@thesaunarepublic.com
5. We handle the rest — Replacement ships immediately + $250 cash processed
Carrier Selection & Address Info
Small items (heaters, accessories, replacement parts) ship via UPS or FedEx. We reserve the right to choose the carrier.
Large items ship via LTL freight carriers. Once shipped, we cannot change addresses or schedule specific delivery dates — but we'll advocate on your behalf with the shipping company if needed.
Lumaflex devices ship via UPS, FedEx, or USPS.
Incorrect Address / Failed Delivery
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. You must contact us for a custom shipping quote before placing your order. Orders placed without prior approval may be cancelled.
Free shipping applies to the continental US only.
• APO/FPO addresses: We do ship to military addresses, subject to USPS restrictions. Additional fees may apply — contact us first.
• Remote/hard-to-reach areas: Additional fees may apply. We'll contact you before shipping if your location requires special arrangements.
Legal Disclaimer: For any policy omission or clarification, the individual manufacturer policy will apply without exception. By placing an order with Sauna Republic, you consent to our shipping and return policies.
BY PURCHASING, YOU AGREE TO THESE TERMS.
Last Updated: February 16, 2026 · © Sauna Republic. All rights reserved.
Returns & Refunds
QUICK LINKS
⚠️ IMPORTANT: Shop Pay Installments — Final Sale
All purchases made using Shop Pay Installments financing are final sale and cannot be returned or refunded, regardless of product type.
This applies even to products that would otherwise qualify for our 100% Money-Back Guarantee or Lumaflex 30-Day Return Policy. Please contact us at (888) 833-2305 with any questions before purchasing.
HSA/FSA Purchases — Return Policy
Our standard return policy applies to all HSA/FSA purchases.
HSA/FSA orders follow the same guarantee tier as the product — whether that's our 100% Money-Back Guarantee, Lumaflex 30-Day Return, or Standard Return Policy. There is no IRS requirement that HSA/FSA purchases be final sale.
How HSA/FSA refunds work: 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: Once the refund posts, you can notify your HSA 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 — returned funds could be forfeited to the employer plan. FSA holders should be especially sure of their purchase before buying.
Questions about HSA/FSA returns? (888) 833-2305 or info@thesaunarepublic.com. Learn more on our HSA/FSA page.
Guarantee Tiers by Product
All payment methods including HSA/FSA. Shop Pay Installments are always final sale.
TIER 1 100% Money-Back Guarantee + $200 Bonus
Applies to: SaunaLife Saunas & Cold Plunges, Finnmark Saunas
✓ Full refund of purchase price
✓ $200 bonus for your trouble
✓ We schedule AND pay for freight pickup
✓ 60 days from delivery to decide
✓ No conditions — used, assembled, doesn't matter. Any reason works.
⚠️ Exception: Not available for Shop Pay Installment purchases (final sale).
LUMAFLEX 30-Day Return Policy — No Restocking Fee
Applies to: All Lumaflex Red Light Therapy Devices (Body Pro Kit, Essential, Essential Pro)
✓ Full refund — 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
✓ Return address provided upon return authorization
⚠️ Exception: Not available for Shop Pay Installment purchases (final sale). Defective units are replaced at no cost under the 2-year manufacturer warranty.
TIER 2 Standard Return Policy
Applies to: Haljas Houses, Iglucraft, Auroom, Kohler Saunas & Ice Baths, Heaters, Stoves & Accessories
✓ Full refund minus 25% restocking fee
✓ Customer arranges and pays return shipping
✓ Item must be unused, in original packaging
✓ 30 days from delivery to initiate return
⚠️ Exception: Not available for Shop Pay Installment purchases (final sale).
TIER 3 Final Sale — No Returns
Applies to:
• ALL Dundalk Canadian Timber Products (Saunas, Cold Plunges, Accessories) — handcrafted to order
• ALL Shop Pay Installment purchases (any product) — financing terms
✓ Full manufacturer warranty coverage
✓ Defect replacements at no cost
✓ Lifetime support from our team
Additional Protection (All Products)
🛡️
Damage-Free Delivery Guarantee
$250 Cash + Free Replacement
Order arrives damaged? We pay you $250 cash + ship replacement at our expense. Photo within 24 hours to claim. Note: For Lumaflex devices, contact us and we'll arrange a replacement for you.
⏱️
24-Hour Response Guarantee
$100 Credit If We Don't
We respond within 24 hours (Mon-Sun 9am-5pm EST). If not? $100 store credit, automatically.
How to Return
Saunas & Cold Plunges (100% Guarantee + $200 Bonus)
1. Contact us — Email info@thesaunarepublic.com with your order number
2. Get authorization — We send return instructions within 24 hours
3. We handle everything — We schedule AND pay for freight pickup
4. Refund + bonus processed — Full refund + $200 within 5-7 business days
Note: Not available for Shop Pay Installment purchases. HSA/FSA refunds are processed back to the original HSA/FSA card.
Lumaflex Red Light Therapy Devices (30-Day, No Restocking Fee)
1. Contact us — Email info@thesaunarepublic.com with your order number within 30 days of delivery
2. Get authorization — We send return instructions and the return address within 24 hours
3. Ship the product — Customer arranges and pays for return shipping. Product must be in full working condition with all original components and packaging
4. Refund processed — Full refund (no restocking fee) within 5-7 business days after product is received
Note: Not available for Shop Pay Installment purchases. Defective units are handled separately under the 2-year manufacturer warranty — contact us and we will arrange a replacement at no cost.
Haljas Houses, Iglucraft, Auroom, Kohler, Heaters & Accessories (Standard Policy)
1. Contact us — Email info@thesaunarepublic.com with order number
2. Get authorization — We send return instructions and shipping address
3. Ship the product — Customer arranges and pays for return shipping
4. Refund processed — Refund minus 25% restocking fee within 5-7 business days
Note: Not available for Shop Pay Installment purchases. HSA/FSA refunds are processed back to the original HSA/FSA card.
Dundalk Canadian Timber — Final Sale Policy
🚨 ALL DUNDALK PRODUCTS ARE FINAL SALE
This includes saunas, cold plunges, and all Dundalk accessories. Each item is handcrafted to order in Ontario, Canada. Because products are custom-built specifically for you, returns and refunds are not available. Full manufacturer warranty applies for any defects.
Cancellation Policy:
• 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)
What IS Covered Under Warranty:
✓ Manufacturing defects
✓ Missing or damaged components on arrival
✓ Structural issues covered by manufacturer warranty
Fine Print
• 100% guarantee + $200 bonus: 60-day window, no conditions — use it, assemble it, try it. One claim per customer.
• Free return shipping applies to 100% guarantee products only, continental US
• Lumaflex returns: 30-day window, no restocking fee, product can be opened and used but must be in full working condition with all original components. Customer pays return shipping. Defective units replaced at no cost under 2-year manufacturer warranty.
• Standard returns (Haljas Houses, Iglucraft, Auroom, Kohler saunas/ice baths, heaters/accessories): Must be unused, in original packaging, 30-day window
• Refunds processed to original payment method within 5-7 business days
• ALL Dundalk products are final sale — no returns or refunds (custom-built to order)
• HSA/FSA purchases: Same return policy applies as standard payment methods. Refunds are processed back to the original HSA/FSA card within 3–10 business days. See HSA/FSA Returns section for details on mistaken distributions and FSA timing.
• Shop Pay Installment purchases are final sale — no returns or refunds
• We may modify guarantee terms; purchases honored under terms at time of purchase
Legal Disclaimer: For any policy omission or clarification, the individual manufacturer policy will apply without exception. By placing an order with Sauna Republic, you consent to our shipping and return policies.
BY PURCHASING, YOU AGREE TO THESE TERMS.
Last Updated: February 24, 2026 · © Sauna Republic. All rights reserved.
Resources
Features
What's Included?
Specifications
Description
Frequently Asked Questions
COMMON QUESTIONS
Frequently Asked Questions
Everything you need to know before purchasing. Can't find your answer? Call us.
Shipping & Delivery
How long does shipping take? ▼
Saunas, Cold Plunges & Tubs: Estimated delivery in 1–8 weeks.
Everything Else: Estimated delivery in 1–2 weeks.
Delivery times may extend due to carrier delays or unforeseen circumstances.
How does freight delivery work? ▼
Yes, someone must be present to receive the delivery. The freight carrier will call to schedule a delivery window. They'll deliver to your driveway or as close to your home as their truck can access.
Important: Inspect all packages before signing. Note any visible damage on the delivery receipt and take photos immediately.
What if my order arrives damaged? ▼
We pay YOU $250 + ship a free replacement. Take photos of any damage within 24 hours and email them to info@thesaunarepublic.com. We'll ship your replacement immediately and send you $250 for your trouble within 5 business days.
Returns & Guarantees
What's your return policy? ▼
SaunaLife Saunas, Finnmark Saunas & SaunaLife Hot & Cold Plunges: 100% Money-Back Guarantee + $200 Bonus. Try it for 60 days. If you're not satisfied, we refund 100% + give you $200 cash + pay for return shipping. No questions asked.
Dundalk (Saunas, Cold Plunges & Accessories): Final sale — handcrafted to order in Canada. Full manufacturer warranty + lifetime support. Cannot be returned.
Everything Else: 30-day return window. Full refund minus 25% restocking fee. Customer pays return shipping. Must be unused, in original packaging.
⚠️ Important: HSA/FSA and Shop Pay Installment purchases are final sale — not eligible for returns or refunds.
What's the 100% Money-Back Guarantee? ▼
For SaunaLife saunas, Finnmark saunas, and SaunaLife Hot & Cold plunges only: Try it for 60 days. If you're not completely satisfied, we give you:
- Full refund of your purchase price
- Plus $200 cash for your trouble
- Plus FREE return shipping — we schedule and pay for freight pickup
Requirements: Product must be in sellable condition. One claim per customer.
⚠️ Important: HSA/FSA and Shop Pay Installment purchases are final sale and not eligible for the 100% guarantee or any returns/refunds.
Why are Dundalk products final sale? ▼
Dundalk products are handcrafted to order in Canada. Each unit is custom-built specifically for your order. You still get: full manufacturer warranty, lifetime support 7 days/week, and our $250 damage guarantee.
Before You Buy Elsewhere
What You LOSE With Other Dealers
Same product, same price — but here's the hidden cost of buying elsewhere
Other Dealers
Industry Standard Policy
Restocking Fee (25%) -$2,150
Return Shipping (You Pay) -$400
Satisfaction Bonus $0
Return Window 30 days
You LOSE: $2,550
Sauna Republic
100% Guarantee + $200
Restocking Fee $0
Return Shipping FREE
Satisfaction Bonus +$200
Return Window 60 days
You GET: +$200
Based on $8,600 sauna purchase. Competitor costs verified December 2025: 25% restocking fee is documented industry standard. See full guarantee details →
Installation & Setup
Is this easy to assemble myself? ▼
Most products are designed for DIY assembly with basic tools. Pre-built barrel saunas and modular kits typically take 2-4 hours with 2 people. Our team is available by phone, video call, or email to walk you through any step — unlimited support, no charge.
What electrical requirements do I need? ▼
Requirements vary by heater size:
- Small heaters (up to 6kW): 240V, 30-amp dedicated circuit
- Medium heaters (6-9kW): 240V, 40-amp dedicated circuit
- Large heaters (9kW+): 240V, 50-60 amp dedicated circuit
We recommend consulting a licensed electrician before purchase.
Do I need a professional electrician? ▼
Yes, we strongly recommend it. Electric sauna heaters require 240V hardwired connections. For safety and to maintain your warranty, have a licensed electrician handle the electrical work.
Payment & Financing
Do you offer financing? ▼
Yes — 0% APR financing available. We partner with Affirm and Shop Pay to offer flexible payment plans. Check your rate at checkout without affecting your credit score.
⚠️ Note: Shop Pay Installment purchases are final sale — not eligible for returns or refunds.
Can I use my HSA/FSA to pay for this? ▼
Yes! Through our partnership with Truemed, qualifying customers can use pre-tax HSA/FSA dollars to purchase saunas and cold plunges. Look for the Truemed option at checkout.
⚠️ Note: HSA/FSA purchases are final sale — not eligible for returns or refunds per IRS regulations.
What payment methods do you accept? ▼
We accept all major credit cards (Visa, Mastercard, American Express, Discover), Shop Pay, Apple Pay, Google Pay, PayPal, and bank wire transfers.
Support & Service
Are you an authorized dealer? ▼
Yes. We are an authorized dealer for all brands we carry. This means you get the full manufacturer warranty and our additional support.
What warranty do I get? ▼
You receive the full manufacturer warranty on every product (typically 1-5 years depending on brand and component). Plus, you get our lifetime support — we're here 7 days a week to help with any questions or issues.
How do I contact support? ▼
Reach us anytime:
- Phone: (888) 833-2305
- Email: info@thesaunarepublic.com
- Hours: 9 AM - 5 PM EST, 7 days a week
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.
Shop HSA/FSA Eligible Products
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. Have questions before purchasing? Contact our team — we're happy to help you choose the right product.
HSA/FSA Eligible Products
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 — merchants cannot self-designate products as eligible. Currently, our eligible categories include complete sauna units (traditional and infrared) and FDA-cleared red light therapy devices. Accessories such as buckets, ladles, thermometers, and hats are not eligible. If you check out with a mix of eligible and ineligible items, your entire claim could be denied. We recommend purchasing eligible and ineligible items in separate orders.
What about sauna heaters, controllers, and stones purchased separately?
Components required for a medically-prescribed sauna to function — such as heaters, controllers, and stones — have a legal basis for eligibility under IRS regulations covering the operation and maintenance of medical equipment. However, Truemed must independently approve each product SKU through its compliance team before it can be purchased with HSA/FSA funds. A heater purchased as a replacement for a prescribed sauna has a stronger case than one purchased speculatively. Contact us before checkout if you plan to use HSA/FSA for standalone components — we can confirm which specific products are approved.
Are red light therapy devices eligible?
Yes. Our red light therapy devices are FDA-cleared Class II medical devices, which provides a strong foundation for HSA/FSA eligibility. The same checkout process applies — 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 sauna 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 sauna 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 sauna 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 sauna or red light device 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 sauna 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 0% APR financing. 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 free shipping and value stack bonuses with HSA/FSA?
Yes. All Sauna Republic promotions, free shipping, and value stack bonuses apply regardless of payment method. HSA/FSA customers receive the same benefits as every other customer.
Ready to Invest in Your Health?
Qualified customers save ~30% with pre-tax HSA/FSA dollars.
Shop HSA/FSA Eligible Products*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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