Cetaphil
The eligibility of Cetaphil products for HSA, FSA, or HRA depends on whether they are used to treat a specific diagnosed medical condition.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
Generally, products used for general health, hygiene, or cosmetic purposes are not considered qualified medical expenses by the IRS. However, if a product like Cetaphil is specifically recommended by a medical professional to treat a diagnosed medical condition, such as eczema, psoriasis, or severe acne, it may be eligible with a Letter of Medical Necessity (LMN).
When It Qualifies
- •Must be primarily for the treatment or prevention of a specific diagnosed medical condition.
- •Requires a Letter of Medical Necessity (LMN) from a doctor stating the medical necessity for the product.
When It Doesn't
- •Products used for general skincare, cosmetic purposes, or daily hygiene are not eligible.
- •Products used for general wellness or to improve appearance are not eligible.
Similar Items
Official Source
IRS Publication 502
What Are Medical Expenses?
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
While this information is based on IRS guidelines, individual plan administrators may have specific 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.