Caeli AI is your benefit-maxxing agent: it spots eligible items, pays with your benefit cards or runs reimbursement on autopilot, and unlocks clinician-approved LMNs at checkout.
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From SPF to sleep masks to red-light devices — the everyday products that quietly qualify as medical expenses.

Three acronyms, three very different jobs. A plain-English breakdown of which account does what — and which one is actually yours to keep.

A successful card swipe isn’t an approved expense. What the difference is, and how to get reimbursed cleanly the first time.
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Wellness
Your HSA can cover a Saatva or Tempur-Pedic mattress with a Letter of Medical Necessity, and sleep trackers like Apollo usually without one. The 2026 picks and how the LMN works.
HSA · LMNWellness
HSA · FSAWellness
LSAFitness
HSA · LMNWellness
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