#FSA ELIGIBLE EXPENSES 2021 SKIN#

Most people use their plans to cover costs like deductibles, copayments, prescriptions, and medical equipment (like crutches or bandages).

In short, your FSA works similar to a prepaid gift card with an expiration date and your HSA as a debit card with no expiration date-both accounts have similar requirements for what you can or cannot purchase using your funds. If you have an FSA (Flexible Spending Account) or HSA (Health Savings Account), you may know that these health accounts allow you to deposit and spend pre-tax money on out-of-pocket healthcare expenses. Among the stress and uncertainty of the COVID-19 pandemic and the upcoming whirlwind of the holidays, taking care of yourself and your health has never been more important.īut have you taken the time to treat yourself this year? Be sure to have your employees check with us if they are counting on a specific product being eligible for reimbursement or they may get burned.Something tells us you’ve been through a lot this year. So yes, the answer depends on the circumstances and specific products. To show that the expense is primarily for medical care, a note from a medical practitioner recommending the item to treat a specific medical condition is normally required. May qualify if used to treat or alleviate a specific medical condition (e.g., melanoma) and if the expense would not have been incurred “but for” the condition, but only the excess cost of the specialized garment over the cost of ordinary clothing will qualify. Sun-protective (SPF) clothing: Not an eligible expense if used to maintain general health or for other personal reasons. It is unclear whether nonprescription sunglasses or clip-on sunglasses recommended by a physician to alleviate an eye condition would qualify. Sunglasses: Eligible only if prescription sunglasses.

#FSA ELIGIBLE EXPENSES 2021 SKIN#

Sunburn creams and ointments (medicated such as Solarcaine): This is an eligible expense to treat a sunburn (and not as a regular skin moisturizer). It does not prevent a medical condition such as sunburn. Sunscreen in cosmetics or similar products with suntan lotion but not just sunscreen: Not eligible. Some FSA plans may take a more cautious approach, for example, by reimbursing only products at or above a specified SPF (e.g., 15 due to FSA guidance). Sunscreen ( excluding cosmetics or similar products containing sunscreen): There is no official guidance on this item but an IRS official has informally commented that sunscreen will likely qualify as a medical care expense because its sole purpose is to prevent sunburn. Here are the various categories of sun-protective products and whether or not they are indeed eligible for reimbursement in an FSA or HSA: The answer, however, is “it depends.” The answer primarily depends on whether the product effectively protects against sunburn, soothes an active sunburn or treats a medical condition that has arisen from a sun-related ailment. And, yours is a question we are getting asked frequently. are FSA/HSA eligible expenses?Ī: Agreed! This summer has been a scorcher. This has been a super-hot summer and my employees are asking me if sun-related products, i.e.

Fsa eligible expenses 2021