HSA/FSA Eligible Products

You can use your Health Savings Account (HSA) or Flexible Spending Account (FSA) funds for the eligible products below. Many HSA/FSA cards are Visa or Mastercard-branded and may work at checkout. If your plan restricts HSA/FSA card use online or your card is declined, simply complete your purchase with any payment method and submit the itemized receipt to your benefits administrator for reimbursement.

HSA & FSA Eligible Quick Tips for Using HSA/FSA

  • Add eligible items to your cart and choose your Visa or Mastercard-branded HSA/FSA card at checkout.

  • If your HSA/FSA card isn’t accepted online, pay normally and submit your itemized receipt for reimbursement.

  • Plan rules vary; check your HSA/FSA administrator’s requirements for documentation.
Eligible Real Time Pain Relief Products
  • MAXX Pain Relief (Topical OTC Cream) – Intensive pain relief for stubborn aches and discomfort.
  • MAXX Plus Pain Relief (Topical OTC Cream) – Advanced extra-strength formula.
  • ORIGINAL Pain Relief (Topical OTC Cream) – Everyday relief featuring our low-menthol, multi-ingredient blend.
  • FOOT Cream (Topical OTC Cream) – Targeted relief for foot & heel discomfort.
  • Hemp Oil Plus Cream (5% Arnica Cream) – Naturally soothing with Hemp Oil & Arnica.
  • NIGHT-Time Pain Relief (5% Arnica Cream) – Calming nighttime formula with Melatonin, Lavender, & Magnesium.
How to Use Your HSA or FSA Card
  1. Add eligible products to your cart.
  2. Select your HSA/FSA debit card as the payment method at checkout.
  3. If needed, submit your receipt to your plan administrator for reimbursement.

Note: Some HSA/FSA issuers limit card use to certain merchant categories or require systems that auto-identify eligible items. A decline at checkout doesn’t mean the product is ineligible—you can still use another payment method and file for reimbursement.

Receipts & Documentation

Every order includes a detailed receipt with product descriptions. If you need an itemized receipt for an HSA/FSA claim, you can Click Here to access your Order History and download your receipts

Helpful Information
  • Eligibility is based on IRS guidance for OTC pain relief medications; plan rules may vary.
  • Some plans may request additional documentation or prior approval.
  • HSA/FSA funds generally cannot be used for non-medicated cosmetics, lotions, or supplements.
  • Purchases for eligible dependents typically qualify; check your plan for details.

Shop Pain Relief Products »
(Look for the FSA/HSA Eligible logo) 
FSA/HSA Eligible

Want to learn more about what makes Real Time Pain Relief so effective?

Explore Real Time Pain Relief’s natural ingredients and discover their superior benefits.
Why Menthol Levels Matter – Learn how the right amount makes a difference.
The Truth About Substance P – Discover how it impacts chronic pain.