Suntan Lotion without sunscreen: FSA Eligibility

Suntan lotion without sunscreen is 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 suntan lotion without sunscreen?

Suntan lotion without sunscreen refers to a variety of lotions that either darken the skin, promote the tanning of the skin through ultraviolet radiation exposure, or are marketed for use in sunny environments but do not have a Sun Protection Factor (SPF) rating of 15 or more.

Suntan lotion without sunscreen varieties include sunless tanning lotion, indoor tanning lotion, and tanning lotion.

What is sunless tanning lotion?

Sunless tanning lotion refers to bronzers, spray tans, and DHA-based products that produce the appearance of a sun tan. Bronzers are simply a superficial skin coloring that can be washed off; spray tans soak into the skin; DHA-based products produce a chemical change within the dead skin cells of the skin's surface that require ultraviolet light to activate, and last even longer.

What is indoor tanning lotion?

Indoor tanning lotion is a moisturizing solution designed to be worn while undergoing indoor tanning treatment, also known as a tanning bed or the facilities at a tanning salon. Indoor tanning lotion is formulated without chemicals that are corrosive or damaging to the acrylic coatings use in most sunless tanning bed equipment.

What is tanning lotion?

Tanning lotion refers to any sunscreen or suntan lotion that has an SPF rating less than 15. These lotions may have an SPF rating of 4 or 8, most commonly, and are designed to be worn by individuals who wish to keep their skin hydrated and moisturized while still receiving minimal protection from the sun's ultraviolet rays for the purpose of darkening their skin through receiving a suntan.

Tanning lotion usually has aloe or other moisturizing agents that help the skin stay healthy despite the damage suffered by the sun's ultraviolet rays.

Suntan lotion without sunscreen is not eligible for reimbursement with any kind of consumer-directed healthcare account.

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

 


AZ-PROD-WEB02 11/18/2017 9:32:07 PM