Baby sunscreen
Baby sunscreen is eligible for HSA, FSA, and HRA reimbursement only when used to prevent sun damage for a specific diagnosed medical condition.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
Must be used to prevent sun damage for a specific medical condition diagnosed by a healthcare provider.
A Letter of Medical Necessity from a doctor may be required to substantiate that the sunscreen is for a specific medical condition.
Quick Reference
The IRS considers sunscreen a qualified medical expense only when it is used to prevent sun damage for a specific medical condition. This means it's not eligible for general, routine sun protection or cosmetic purposes. A healthcare provider must determine and document the medical necessity.
When It Qualifies
- •The sunscreen must be used to prevent sun damage for a specific medical condition (e.g., photosensitivity, lupus, certain skin disorders, or a history of skin cancer).
- •A diagnosis from a licensed medical professional is required to establish medical necessity.
- •Documentation, such as a Letter of Medical Necessity, may be needed for substantiation.
When It Doesn't
- •Sunscreen used for general, routine sun protection without a specific medical condition.
- •Sunscreen used for cosmetic purposes.
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Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
Eligibility can vary by plan administrator. Always retain your receipts and a copy of any required documentation (like a Letter of Medical Necessity) for your records. This information is for educational purposes only and not tax or legal advice.