Sunscreen with Insect Repellant: FSA Eligibility

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

Suncreens with an SPF of 15 or higher and with broad spectrum (UAB, UAV) protection are eligible.

What is sunscreen with insect repellant?

Sunscreen with insect repellant is similar to other types of sunscreen except that it contains additional chemicals that repel insects, such as DEET. DEET is a chemical normally contained in insect repellant sprays and other products, and can be included in the formulation for sunscreen. DEET was originally developed in the United States as an insect repellant for the US Army which fought in the Pacific jungles during World War 2 (Environmental Protection Agency).

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 (U.S. Food and Drug Administration).

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 (WebMD).