Oura Ring 5 Gold Smart Ring, Exclusive Bundle, Ring + Additional Charger + Additional Year of Manufacturer’s Warranty

Yes. This product qualifies as a medical expense — pay with your HSA or FSA card and you're done.

No — this product qualifies as a medical expense on its own. Pay with your HSA or FSA card; no letter required.

Maybe — LSA coverage is set by your employer's plan, so it varies by person. Caeli reads your employer's LSA categories and tells you whether you can pay this way — often with no paperwork. If you have both an LSA and an HSA, Caeli steers you to spend the LSA first (it can expire) and protect the HSA (it compounds).