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Santa Cruz Stigmata 4 CC Force AXS 1x Reserve 700c Complete Bike 2026

Santa Cruz

Santa Cruz Stigmata 4 CC Force AXS 1x Reserve 700c Complete Bike 2026

$6,849at evo.com

Covered by your benefits

Covered by your HSA/FSA with a . Caeli runs the telehealth intake during checkout — under 3 minutes.

~$2,055 Est. tax saving

Pay with pre-tax HSA/FSA dollars on this $6,849 purchase

Get LMN

Santa Cruz Stigmata 4 CC Force AXS 1x Reserve 700c Complete… is HSA/FSA eligible once a clinician signs a Letter of Medical Necessity, and Caeli gets you one during checkout.

See product details

Checked against common benefit plans. Your employer's plan may differ.

Benefit-maxxing tips

Use FSA first — it expires. Leave HSA to grow.

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About this product

A gravel bike built for big events, roads less traveled, and the hardest routes, from podium finishes to off-map explorations.

Quick facts

Brand
Santa Cruz
Category
Fitness
Concerns addressed
—
IRS classification
Qualified medical expense (with an LMN)
Caeli receipt vault
Auto-saved for 7 years
Sold by
evo.com

Eligibility & Coverage FAQs

Written by Caeli's benefits team. If we haven't answered your question, the extension's in-app chat is staffed by humans.

Can I buy the Santa Cruz Stigmata 4 CC Force AXS 1x Reserve 700c Complete Bike 2026 with my HSA or FSA?
With a Letter of Medical Necessity, yes. The IRS treats many wellness products as "general wellness" by default; an LMN from a clinician documents the medical purpose and converts the purchase into a qualified medical expense. Caeli automates the LMN flow inline during checkout.
What is a Letter of Medical Necessity (LMN), exactly?
A short note from a licensed clinician naming the product, the medical condition it treats, and the duration of treatment. It's a single page. Caeli's telehealth partners issue one through an intake that runs concurrently with merchant checkout — under 3 minutes from your side.
What if I get audited?
Caeli vaults your LMN, the itemized receipt, and your symptom intake together for the full 7-year IRS audit window. If your HSA administrator or the IRS asks, you forward one folder.
Does my wellness stipend (LSA) cover this?
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).
Does Caeli ever see my medical records?
Only the intake answers you choose to share with the telehealth clinician. Caeli itself does not store diagnoses; we store the LMN as the clinician issues it.

Curated Guides & Inspiration

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Letters of Medical Necessity (LMN), Demystified

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HSA, FSA, and LSA: What's the Difference (and What Can You Actually Buy)?

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HSA, FSA, and LSA: What's the Difference (and What Can You Actually Buy)?

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Eligibility shown is informational. Final coverage depends on your plan and, where required, a clinician-issued LMN.