Spray sunscreen
Spray sunscreen is eligible for HSA, FSA, and HRA when used to prevent sun damage for a specific diagnosed medical condition and substantiated with a Letter of Medical Necessity (LMN).
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
Must be treating a specific diagnosed medical condition that necessitates the use of sunscreen to prevent sun damage.
A Letter of Medical Necessity from a licensed healthcare provider is required to confirm that the sunscreen is medically necessary for a diagnosed condition.
Quick Reference
The IRS generally considers sunscreen a cosmetic or general health item, which is not eligible. However, if a medical professional diagnoses a specific condition that requires the use of sunscreen to prevent sun damage, it can be considered a qualified medical expense. In such cases, documentation like a Letter of Medical Necessity is crucial for substantiation.
When It Qualifies
- •Used to prevent sun damage for a specific diagnosed medical condition (e.g., photosensitivity, certain skin conditions, or post-procedure care).
- •Supported by a Letter of Medical Necessity (LMN) from a licensed healthcare provider.
When It Doesn't
- •General use for tanning or preventing sunburn without a specific diagnosed medical condition.
- •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 Letter of Medical Necessity for your records. This information is for educational purposes only and not tax or legal advice.