Neutrogena sunscreen
Neutrogena sunscreen is eligible for HSA, FSA, and HRA accounts when used for protection against sun damage and skin cancer.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
Sunscreen is considered a qualified medical expense because it is used for the prevention of sun damage, including sunburn and skin cancer, which are medical conditions. The IRS allows expenses paid for the prevention or alleviation of a physical defect or illness. The CARES Act of 2020 made over-the-counter (OTC) medicines and drugs, including items like sunscreen, eligible for these accounts without a prescription.
When It Qualifies
- •Must be primarily for medical care, such as protection from sun damage and prevention of skin cancer.
- •Typically, products with an SPF (Sun Protection Factor) of 15 or higher are considered effective for medical protection.
When It Doesn't
- •Products primarily for cosmetic purposes, such as tanning lotions without significant SPF, are not eligible.
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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 generally eligible, specific plan administrators may have their own substantiation requirements. Always retain your receipts for tax and reimbursement purposes. This information is for educational purposes only and not tax or legal advice.