Face sunscreen
Face sunscreen is eligible for HSA, FSA, and HRA if it is medically necessary to treat or prevent a specific diagnosed medical condition, requiring a Letter of Medical Necessity (LMN) from a physician.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
A Letter of Medical Necessity (LMN) from a physician is required, stating that the sunscreen is necessary to treat or prevent a specific medical condition.
The sunscreen must be used to treat or prevent a specific diagnosed medical condition, such as severe photosensitivity, a skin condition exacerbated by sun exposure, or for individuals at high risk of skin cancer.
Quick Reference
Generally, items for cosmetic purposes or general health are not considered qualified medical expenses. However, if face sunscreen is specifically recommended by a physician to treat or prevent a diagnosed medical condition, such as a severe sun allergy or to prevent skin cancer in high-risk individuals, it can be eligible. This medical necessity must be documented.
When It Qualifies
- •Must be prescribed or recommended by a physician with a Letter of Medical Necessity (LMN) for a specific medical condition.
- •Must be used to treat or prevent a diagnosed medical condition (e.g., severe photosensitivity, skin cancer prevention for high-risk individuals).
When It Doesn't
- •General use for cosmetic purposes (e.g., preventing wrinkles) or everyday sun protection without a specific medical diagnosis.
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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 based on your specific plan administrator's interpretation of IRS guidelines. Always retain detailed receipts and your Letter of Medical Necessity for substantiation. This information is for educational purposes only and not tax or legal advice.