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HSA & FSA Eligible

Quit nicotine.
Save 22-37%
with pre-tax dollars.

Respiro may be HSA/FSA eligible where accepted. Varenicline is FDA-approved as an aid to smoking cessation and is generally treated as an eligible medical expense under IRS Publication 502; your plan administrator decides what is reimbursable. Your itemized receipt is reimbursement-ready; some administrators may request additional documentation.

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Your savings

See exactly what you save.

A 12-week protocol is $525 total, billed as a one-time $75 physician consultation plus $150/month for the medication program. Here's what it costs after HSA/FSA pre-tax savings.

Your combined federal + state tax bracket
You save
$142 on the protocol
$525 protocol − $383 effective cost after HSA/FSA reimbursement

Estimate based on combined federal and state marginal tax rates. Actual savings depend on your tax bracket, plan rules, and available HSA/FSA balance. Respiro does not provide tax advice, consult a qualified professional.

The real comparison

Treatment costs less
than the habit.

A pack-a-day or daily-vape habit runs over $3,000 a year. Treatment with HSA savings is a fraction of that.

A year of nicotine

Pack-a-day, ongoing.

$3,285
12 months at $9/pack × 365 days
Daily cost$9.00
Health insurance impact+15-25%
Total annual$3,285+
A year with Respiro

12-week protocol, then done.

$383
After 27% HSA/FSA pre-tax savings
$75 physician consult$55 effective
3 months of varenicline ($150/mo)$329 effective
Total, once$383
How it works

Three steps to get reimbursed.

Most plans reimburse within 3-7 business days. The itemized receipt has everything your administrator needs, no extra paperwork from us.

i.
Pay at checkout.
Use any card, credit, debit, HSA, or FSA. All four work the same way at checkout.
ii.
Get your itemized receipt.
An itemized receipt is emailed automatically after each charge, once for the $75 consultation, then once for each $150 treatment month. Each lists the date of service, the merchant, and the line item.
iii.
Submit for reimbursement.
Upload the receipt to your plan administrator, Optum, HealthEquity, Fidelity, WEX, Lively, or whoever holds your account. Reimbursement typically lands within 3-7 business days.

If your HSA/FSA card asks for substantiation after a charge, just forward the same receipt to your card administrator. The receipt itself is the documentation.

What you'll receive

Here's what your receipt looks like.

You receive an itemized receipt after each charge, one for the $75 consultation, then one for each $150 treatment month. Both are HSA/FSA reimbursement-ready.

Sample Respiro receipt for the $75 physician consultation, with merchant name, date of service, and itemized description

Sample for illustration. Actual receipt numbers and dates reflect your order. The $150 monthly treatment charge generates a separate receipt in the same format.

What qualifies

Designed for HSA/FSA reimbursement where accepted.

Many smoking-cessation program costs and prescription medication costs may be eligible under IRS Publication 502. Your plan administrator decides what they will reimburse.

✓
$75 physician consultation
Independent licensed physician review and prescribing decision.
✓
12-week treatment program ($150/mo)
FDA-approved prescription medication. The full monthly cost is an eligible medical expense.
✓
Maintenance refills
If your physician recommends a 12-week maintenance phase, it remains eligible.
Quick answers

HSA & FSA questions.

Common questions about pre-tax payment and reimbursement.

Yes. Under IRS Publication 502, prescription medications used to treat a medical condition, including nicotine dependence, qualify as eligible medical expenses. Varenicline is an FDA-approved prescription drug, so it qualifies. The physician consultation also qualifies as a medical expense.
Most HSA/FSA cards will run at checkout the same as any debit card. Some cards may ask for substantiation after the charge, if that happens, just forward the itemized receipt we email you to your card administrator. The simpler path many patients take: pay with a regular card, then submit the receipt to your plan for reimbursement. Both work, and the receipt is the same.
No. A Letter of Medical Necessity (LMN) is required for items that are sometimes medical, sometimes not (gym memberships, certain supplements, weighted blankets). FDA-approved prescription medications never require an LMN. Varenicline is unambiguously a prescription drug, so a standard receipt is sufficient.
Your savings equal your combined federal and state marginal tax rate. Most patients save 22-37%. On a $525 protocol, that's $116-$194 back. The savings come from paying with pre-tax dollars, you never paid income tax on the money in the first place.
Pay with a regular card, then submit your receipt for partial reimbursement up to your available balance. You can also use FSA dollars first if you have both accounts. Your savings are pro-rated to whatever portion is reimbursed.
Under our satisfaction guarantee, the $75 consultation fee is refunded to your original payment method if our physician recommends against varenicline and you'd prefer not to explore alternatives. No medication ships in that case, so the $150 monthly charge is never created. If you paid the consultation with an HSA/FSA card, the refund returns to that account and the funds remain available for future eligible expenses.
All of them. HSA/FSA reimbursement is governed by the IRS, not by individual administrators. The receipt format is the same whether your plan is through Optum, HealthEquity, Fidelity, WEX, Lively, or any other provider. We don't have a special partnership, we don't need one.

Ready to put your
HSA dollars to work?

$75 physician consultation. Typical physician review within 1-2 business days. 22-37% effective savings with HSA/FSA.

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Reimbursement is determined by your plan administrator. Most claims are approved on the receipt alone, no Letter of Medical Necessity required for FDA-approved prescriptions.