Cold Cream: FSA Eligibility

Cold cream is a cosmetic product and therefore not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

What is cold cream?

Cold cream has been used for centuries as a cosmetic to refresh the look of skin by moisturizing the underlying layers, as well as removing any dirt and oil present. Cold cream was originally conceived as an emulsion of water and certain fats, such as beeswax that can assist in smoothing skin and treating imperfections. Today, the product is typically made with a few simple ingredients, including water, mineral oil, waxes like beeswax or ceresin and some fragrances. The term "cold cream" is derived from the sensation that the cream leaves on the skin as the water in the product evaporates.

Today, the primary use for cold creams is to remove makeup, as its oils have a special ability to dissolve cosmetic products on the skin without causing irritation or robbing the skin of moisture, especially since excessive rubbing of the skin is not necessary to remove makeup. Cold creams can even be used to remove more stubborn cosmetics, such as eyeshadow and eyeliner by gently rubbing it along the lash line with eyes closed and patting it dry with a towel.

In some cases, cold creams can have a role in treating medical conditions, such as providing relief in the aftermath of sunburns or easing the itching/burning that is associated with eczema. However, because these products are not formulated with ingredients that can assist in preventing or treating a legitimate medical condition, they are not covered by consumer-driven healthcare accounts.

Eligibility Table

Flexible Spending Account (FSA) Limited Care FSA Dependent Care FSA Health Savings Account (HSA) Health Reimbursement Account (HRA)

Eligible

Eligible with Rx

Eligible with LMN

Not Eligible

Legal Information / Regulations

Prescription Required. Information Letter (IL) 2009-0209; Notice 2010-59.

 


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