Nectar
Nectar sells sleep products that qualify for HSA or FSA with a letter of medical necessity, which Caeli arranges at checkout.
Estimated tax savings $105–525
Shop Nectar with your HSA, FSA or LSA.
We accept benefit cards and handle doctor’s notes when needed. You just swipe.
All Nectar products on Caeli
HSA & FSA · with LMN
Nectar Classic Memory Foam Mattress
$369.00
~$111Est. Tax Saving
HSA & FSA · with LMN
Nectar Classic Hybrid Mattress
$349.00
~$105Est. Tax Saving
HSA & FSA · with LMN
Nectar Luxe Hybrid Mattress
$1,199.00
~$360Est. Tax Saving
HSA & FSA · with LMN
Nectar Luxe Memory Foam Mattress
$1,149.00
~$345Est. Tax Saving
HSA & FSA · with LMN
Nectar Premier Hybrid Mattress
$799.00
~$240Est. Tax Saving
HSA & FSA · with LMN
Nectar Premier Memory Foam Mattress
$549.00
~$165Est. Tax Saving
HSA & FSA · with LMN
Nectar Ultra Hybrid Mattress
$1,749.00
~$525Est. Tax Saving
HSA & FSA · with LMN
Nectar Ultra Memory Foam Mattress
$1,499.00
~$450Est. Tax Saving
Other HSA/FSA-eligible brands shoppers compare with Nectar
Common questions about Nectar
Are Nectar products HSA or FSA eligible?
All 8 Nectar products Caeli lists qualify for HSA or FSA, each with a letter of medical necessity.
Do you need a letter of medical necessity for Nectar?
8 of the Nectar products Caeli lists need one. These are dual-purpose items, which become eligible when a clinician ties them to a documented condition. Caeli can arrange the letter as part of checkout.
How does Caeli handle the letter of medical necessity for Nectar products?
At checkout, Caeli runs a short telehealth intake for the Nectar product in your cart. A clinician reviews it and, where the product fits a documented condition, issues the letter, which Caeli files with your receipt. No doctor's visit, and the purchase goes through as an HSA or FSA expense.
What is a letter of medical necessity, and how do I get one for Nectar?
A note from a licensed clinician saying an item treats or manages a specific condition — which is what makes a dual-purpose Nectar product HSA or FSA eligible. Caeli gets you one in about three minutes: a licensed provider reviews a few questions and signs it, and it stays valid for 12 months, for that product and similar ones.
What qualifies for a letter of medical necessity on Nectar products?
A documented condition the Nectar product helps treat or manage — the clinician decides, against what you describe in the intake. For what Caeli lists here that is usually sleep & insomnia. You do not need a diagnosis in hand to start; the questions are the diagnosis step.
Can I split a Nectar purchase between my HSA or FSA card and a credit card?
Yes. At checkout Caeli charges the eligible amount to your benefit card and puts the rest on a regular credit card, in one order, and you can combine funds from more than one benefit account the same way. The receipt is stored in your Caeli account for reimbursement or an audit.