Banana Boat
Sunscreen products from Banana Boat with an SPF of 15 or higher and broad-spectrum protection are eligible for reimbursement with HSA, FSA, and HRA funds.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
Always confirm with your specific benefits administrator, as plan rules can vary.
Quick Reference
The IRS considers sunscreen with a Sun Protection Factor (SPF) of 15 or higher and broad-spectrum protection to be a qualified medical expense. This is because it helps prevent sun damage, sunburn, and reduces the risk of skin cancer. The CARES Act clarified that over-the-counter medical products, including eligible sunscreens, do not require a prescription to be reimbursed.
When It Qualifies
- •The sunscreen must have a Sun Protection Factor (SPF) of 15 or higher.
- •The sunscreen must provide broad-spectrum protection against both UVA and UVB rays.
When It Doesn't
- •Sunscreen products with an SPF lower than 15 are not eligible.
- •Tanning lotions or cosmetic products primarily for aesthetic purposes are not eligible.
Similar Items
Official Source
IRS Publication 502
What Is Medical Care?
View on IRS.gov
Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
This information is for educational purposes only and is not tax or legal advice. Consult with a qualified professional for personalized guidance.