Moisturizer: FSA Eligibility

Moisturizer: reimbursement is not eligible with a Flexible Savings Account (FSA)
Moisturizer is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).

What is a moisturizer?

Moisturizer is a product designed to help the skin retain or regain its natural moisture. Moisturizer is an Over-the-Counter (OTC) product, but is not eligible for reimbursement with any consumer-directed healthcare account. Moisturizer on its own does not treat, alleviate or prevent a medical condition or disease, and is usually considered cosmetic in purpose, and therefore is not eligible.

Moisturizers are also called emollients. They may be found in lotions, creams, ointments, and bath/shower additives to oil the skin and keep it moist (Healthline).

Moisturizers frequently contain medication or other ingredients that are medically useful and may treat, alleviate or prevent a medical condition. In these cases, moisturizer may be prescribed by a medical doctor and will therefore be considered eligible for reimbursement with a consumer-directed healthcare account.

Examples of moisturizer that a doctor might prescribe and which would therefore be considered eligible for reimbursement include moisturizer with aloe for sunburns, moisturizer with SPF rating for sun-allergic individuals, moisturizer with healing ingredients or ointment, etc.

Medical conditions that may require a special moisturizer include burns, allergies, eczema, dermatitis, open wounds, dry or aged skin, and viral or fungal infections.

Moisturizers purchased for cosmetic purposes are typically geared for a specific part of the body such as the hands, body, face, eyes, or feet. Moisturizers that are dispensed via pump are usually more hygienic that moisturizer creams that are stored in a pot. Moisturizers contain individual instructions for application and usage. Usually, moisturizers should be smoothed into the skin with the direction of hair growth rather than rubbed in. Moisturizers are most effective when used right after a bath or shower. Moisturizers can cause folliculitis by blocking the hair follicles of the skin, though this is rare.