Wrinkle Cream: FSA Eligibility

Wrinkle Creams are cosmetic expenses and therefore not eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA), dependent care flexible spending accounts (DCFSA) and limited care flexible spending accounts (LCFSA).

How do I find the best wrinkle cream?

To figure out the best cream for you, first understand what is causing them. Fine lines and wrinkles around the eyes are usually caused by laughing, frowning, and other facial expressions that stretch the skin and cause it to fold and wrinkle over time.

Wrinkles are also caused by the natural aging process, when skin begins to thin out and lose collagen. A natural protein in the skin called Elastin also begins to disintegrate, which causes sagging skin and wrinkles. Effective anti-wrinkle products usually contain clinical grade ingredients at higher concentrations that target the skin at the deepest layers to regenerate the skin at a cellular level. Most anti-wrinkle creams on the market contain a mere 2-5% of active ingredients.

How do wrinkle creams work?

The best creams will use a number of ingredients to fight wrinkle lines such as vitamin C, which helps to boost collagen production in the skin so that the body fills in those lines on their own. Avoid any creams that claim to boost elastin growth since the human body is supposed to stop elastin production before puberty. Products that help combat dryness should be effective since dryness is a major contributor to wrinkles. All in all, look for wrinkle creams that will give you steady results over a long period of time, not one that works just overnight.

What are some common ingredients in anti-wrinkle creams?

Retinol is an antioxidant that neutralize unstable oxygen molecules that break down skin cells and cause wrinkles. As aforementioned, Vitamin C may also help protect skin from sun damage. Hydroxy acids remove the upper layer of old, dead skin and stimulate the growth of smooth, evenly pigmented new skin. Niacinamide is a potent antioxidant that helps reduce water loss in the skin and may improve skin elasticity. Peptides is commonly found in products for wound healing, stretch marks and now wrinkles. Tea extract may be present as they are compounds with antioxidant and anti-inflammatory properties.

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

 


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