Is 3B Medical Luna II Auto CPAP Machine HSA or FSA Eligible?
Yes — 3B Medical Luna II Auto CPAP Machine is HSA and FSA eligible when accompanied by a Letter of Medical Necessity (LMN) from a licensed healthcare provider.
Eligibility status
HSA
Eligible
FSA
Eligible
LMN required
Yes
Last verified May 2026
3B Medical
3B Medical Luna II Auto CPAP Machine
Auto-adjusting CPAP with integrated heated humidifier, color LCD, and 30-day therapy data storage for sleep apnea treatment.
$499
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Why this eligibility status?
CPAP machines are qualified durable medical equipment under IRS Publication 502 for diagnosed obstructive sleep apnea.
The full list of qualified medical expenses is defined in IRS Publication 502, updated annually. The CARES Act of 2020 expanded eligibility to include all OTC medicines and menstrual care products.
How to use HSA/FSA for this product
- Schedule an appointment with your doctor and discuss the medical condition you need to manage.
- Request a Letter of Medical Necessity (LMN) citing 3B Medical Luna II Auto CPAP Machine by name.
- Purchase the product with your HSA/FSA debit card, or pay out of pocket.
- Submit your receipt + LMN through your plan administrator's portal.
- Save the documentation for at least 7 years for IRS records.
Letter of Medical Necessity required
Use our free template. Your doctor can sign it in 5 minutes.
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Frequently asked
Sources & last update
- IRS Publication 502 — Medical and Dental Expenses
- FSA Store Eligibility List
- CARES Act of 2020 — OTC Drug Expansion
Last updated: May 2026