Sunscreen SPF 50
Sunscreen SPF 50 is eligible for HSA, FSA, and HRA reimbursement when used to treat or prevent a specific medical condition, and requires a Letter of Medical Necessity (LMN).
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
A written statement from a licensed medical professional (e.g., doctor, dermatologist) confirming that the sunscreen is medically necessary to treat or prevent a specific diagnosed condition.
The sunscreen must be used to treat or prevent a specific diagnosed medical condition, such as severe photosensitivity, a history of skin cancer, or other conditions where sun exposure is medically detrimental.
Quick Reference
While sunscreen for general cosmetic use or everyday sun protection is not considered a qualified medical expense, it can be eligible if a medical professional determines it is necessary to treat or prevent a specific medical condition. This falls under the IRS definition of expenses paid for the 'prevention or alleviation of a disease.' A Letter of Medical Necessity substantiates this medical need.
When It Qualifies
- •Must be recommended by a medical professional to treat or prevent a specific diagnosed medical condition.
- •A Letter of Medical Necessity (LMN) from a doctor is required, stating the medical condition and how the sunscreen helps treat or prevent it.
When It Doesn't
- •Sunscreen used for general cosmetic purposes or everyday sun protection without a specific medical diagnosis.
- •Sunscreen purchased without a Letter of Medical Necessity.
Similar Items
Official Source
IRS Publication 502
What Is Medical Care?
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
Eligibility can vary by plan administrator. Always retain your receipts and Letter of Medical Necessity for substantiation. This information is for educational purposes only and not tax or legal advice.