Insurance, HSA and FSA
How moonbird is covered, in the United States and in Europe.
Moonbird is a consumer wellness product rather than a prescribed medical device, so it is not covered the way medication is. There are still two routes to getting part of the price back, and which one applies depends on where you live.
Both take a few minutes and neither has to happen before you order. Every moonbird and moonbuddy also comes with a 30-day trial, so you can start the process knowing you can still send it back.
In the United States
Moonbird is HSA and FSA eligible. You buy it as you normally would, then claim it back from your HSA or FSA provider.
A Health Savings Account and a Flexible Spending Account both let you spend pre-tax income on qualifying health costs. For a product like moonbird, the qualifying part is a Letter of Medical Necessity: a short document confirming the purchase serves a health purpose, which is what your provider needs before accepting the claim. You do not have to arrange it yourself, and it is not something you need before you order.
How it works
- Buy your moonbird through our webshop as normal.
- Open your order confirmation email and click "Get reimbursed".
- Complete the short HSA/FSA evaluation form that opens.
- You receive a Letter of Medical Necessity by email within 18 to 48 hours.
- Upload that letter and your receipt to your provider's portal.
Your provider reviews the claim and reimburses the purchase if you are eligible.
How much comes back depends on your own tax situation and on your provider's rules, so we cannot put a number on it. If you are unsure whether your plan will accept the claim, the quickest thing is to ask them before you order.
Check if you qualifyStep-by-step instructions are in our help article on using HSA and FSA funds.
In Europe
Five insurers reimburse part of the cost of moonbird and moonbuddy.
European reimbursement runs through supplementary cover rather than basic health insurance, so it depends on the plan you hold rather than on the country you live in. In practice you buy moonbird, then send your invoice to your insurer and they refund part of it. The amount, and whether your particular plan qualifies at all, is set by your policy.
Conditions differ per policy, so check with your insurer. More partners join regularly. Zilveren Kruis members on certain collective plans have their own moonbird offer.
Frequently asked questions
Yes. In the United States, moonbird is HSA and FSA eligible. You buy it as normal, then claim it back: your order confirmation email has a "Get reimbursed" link that starts a short evaluation form. You receive a Letter of Medical Necessity within 18 to 48 hours, and you upload that with your receipt to your provider.
Five European insurers reimburse part of the cost: Zilveren Kruis, Menzis and ONVZ in the Netherlands, CM and Helan in Belgium. Conditions differ per policy, so check with your insurer.
Ask your insurer directly, or contact us and we will point you to the right form. More partners join regularly, so the list changes.
Yes. Every moonbird and moonbuddy comes with a 30-day trial. If you do not feel the benefit, return it for a full refund and we cover the return shipping.