Sunscreen SPF 100
Sunscreen with SPF 100 is eligible for HSA, FSA, and HRA reimbursement only when used to treat a specific medical condition or for the mitigation or prevention of a disease, not for general cosmetic or health purposes.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
Must be used to treat a specific diagnosed medical condition (e.g., photosensitivity, severe sun allergy, or for individuals at high risk of skin cancer as recommended by a doctor).
A Letter of Medical Necessity from a licensed healthcare provider is typically required to substantiate that the sunscreen is being used for a medical purpose rather than general health or cosmetic use.
Quick Reference
The IRS considers sunscreen a qualified medical expense only when it is used to treat a medical condition or for the mitigation or prevention of a disease. Sunscreen used for general health or cosmetic purposes is not considered a medical expense. Therefore, documentation from a healthcare provider is necessary to demonstrate its medical necessity.
When It Qualifies
- •Used to treat a diagnosed medical condition (e.g., photosensitivity, severe sun allergy).
- •Used for the mitigation or prevention of a disease (e.g., skin cancer prevention for high-risk individuals as prescribed by a doctor).
- •Requires a Letter of Medical Necessity (LMN) from a licensed healthcare provider.
When It Doesn't
- •General use sunscreen for everyday sun protection.
- •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
While this information is based on IRS guidelines, individual plan administrators may have specific documentation requirements. Always retain detailed receipts and a copy of any Letter of Medical Necessity for your records. This information is for educational purposes only and not tax or legal advice.