TOTO

All 12 TOTO products Caeli lists qualify for HSA or FSA, each with a letter of medical necessity.

12 of the TOTO 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.

At checkout, Caeli runs a short telehealth intake for the TOTO 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.

A note from a licensed clinician saying an item treats or manages a specific condition — which is what makes a dual-purpose TOTO 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.

A documented condition the TOTO product helps treat or manage — the clinician decides, against what you describe in the intake. You do not need a diagnosis in hand to start; the questions are the diagnosis step.

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.