Water Resistant Sunscreen: FSA Eligibility

Water resistant sunscreen is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Water resistant sunscreen is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

What is water resistant sunscreen?

Water resistant sunscreen is similar to other types of sunscreen except that it contains additional chemicals that allow it to be applied to wet skin and retain coverage of skin that becomes wet, or carries sweat. Normal and water-resistant sunscreen protect against the same type of ultraviolet rays from the sun, although there are specifically marketed "broad spectrum" sunscreen types that can be compared against both varieties. Sunscreen for wet skin is sold by a variety of vendors in different types of containers and applicators, and may require reapplication after heavy physical activity, towel-drying, or a set period of time.

What does sunscreen protect against?

Sunscreen helps protect skin against the sun's harmful ultraviolet rays that can cause harmful diseases like skin cancer over time. Anyone can get skin cancer, regardless of age, gender, or race. People with fairer skin or a history of skin cancer in the family may be at higher risk. An estimated one in five Americans will develop skin cancer in their lifetime.

The American Academy of Dermatology recommends looking for broad-spectrum protection (protects against both UVA and UVB rays), a Sun Protection Factor (SPF) of 30 or higher, and water resistance in a sunscreen. SPF is the number that corresponds with the amount of time you can stay out in the sun without getting sunburned. However, a lot of factors can influence and the decrease the amount of time. For example, water and sweat can wash off sunscreen or if sunscreen is applied unevenly or infrequently in the span of time you are outdoors.

How effective is sunscreen in the water and outside?

A water resistant sunscreen maintains the same SPF level after 40 minutes of water exposure. Water can still wash off sunscreen that is not applied properly, so apply often if you plan to be in the water for an extended period of time. Also consider for looking for the ingredients zinc oxide and titanium dioxide in your sunscreen. These additional ingredients help protect against UVA rays that cause deeper skin damage.

Use sunscreen anytime you plan to be outside. The sun emits harmful rays year-round, even on cloudy days. Snow, sand, and water increase the need to apply sunscreen since they reflect the sun's rays. Make sure to apply sunscreen 15 minutes prior to exposure and reapply every two hours.

What types of sunscreens are there?

Cream-based sunscreen is best for dry skin and the face. Gels are great for hairy areas and sticks are great to use around the eye and are often made into chapstick for the mouth. Sprays are preferred by parents because of their convenience with children, but make sure to spray sufficiently in all areas of the skin and then rub it in if you choose this kind. There are also sunscreens specifically for people with sensitive skin and young children.

Water Resistant Sunscreen: Best Sellers


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

Specifically Not Covered

No prescription required.

Legal Information / Regulations

SIGIS manages the Inventory Information Approval System (IIAS), which provides a list of all the over-the-counter items that can be auto-substantiated under a Health FSA, HRA or HSA. Based on informal IRS guidance, SIGIS now approves sunscreen at SPF15 or higher as an over-the-counter item, not a medicine or drug, so that no prescription is required.

 


AZ-PROD-WEB02 11/19/2017 8:22:53 AM