Is Sunscreen (Broad Spectrum SPF 15+) FSA Eligible?
Mineral and chemical broad-spectrum sunscreens that protect against UVA and UVB radiation. All SPF 15+ sunscreens are fully FSA eligible.
Yes! Sunscreen (Broad Spectrum SPF 15+) is 100% FSA and HSA eligible over-the-counter with no prescription or medical letter required.
Eligibility Criteria Matrix
Where to Buy & Typical Cost
Typical retail price range: $8 – $45
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Frequently Asked Questions: Sunscreen (Broad Spectrum SPF 15+)
Is Sunscreen (Broad Spectrum SPF 15+) covered by my FSA?
Yes, Sunscreen (Broad Spectrum SPF 15+) is an eligible healthcare expense under IRS Code Section 213(d). You can use your FSA card at point-of-sale or submit itemized receipts for direct reimbursement.
Do I need a prescription to buy Sunscreen (Broad Spectrum SPF 15+)?
No prescription is needed. Over-the-counter health supplies and medications have been fully eligible without a doctor's prescription since the CARES Act of 2020.
What documentation do I need to keep for my Sunscreen (Broad Spectrum SPF 15+) claim?
Save an itemized receipt or receipt email showing the merchant name, date of purchase, product description ("Sunscreen (Broad Spectrum SPF 15+)"), and amount paid. Credit card statements alone do not satisfy IRS audit requirements.
Where is the best place to purchase Sunscreen (Broad Spectrum SPF 15+) with an FSA card?
You can purchase directly at FSA-certified online retailers such as the FSA Store, or on Amazon using the FSA/HSA filter. Both accept benefits cards directly during checkout.