Sika Health

Sika tags every item as either always eligible or eligible with a Letter of Medical Necessity, based on IRS guidelines and administrator criteria. Products in categories like fitness and recovery, sleep aids, and supplements are included if they meet the relevant standard. The company advises consumers to confirm eligibility with their individual plan provider, as rules can vary by administrator.

All orders are fulfilled directly by the independent third-party merchant listed on the product page. Sika facilitates the checkout process and fields initial support inquiries but is not the seller of record. Shipping, returns, and post-purchase support are managed by each merchant under their own policies.

Sika allows customers to check out with a standard credit or debit card through its payment method. After purchase, Sika provides an itemized receipt formatted for HSA and FSA administrators, enabling the customer to submit for reimbursement with pre-tax dollars. The receipt format is designed to meet administrator documentation requirements.

No. Sika does not manufacture, warehouse, or distribute any products of its own. All items available on the platform are listed and sold by third-party merchants who have passed a basic business verification and product-quality vetting process.

When an account balance is insufficient, Sika displays the remaining available amount so the customer can spend it down to zero. The platform then allows the balance to be paid with a non-HSA/FSA debit or credit card, splitting the transaction. This feature depends on the plan administrator making balance information available to Sika at checkout.