One of the many benefits of an FSA is that it covers everyday health care costs, which can range from regular medical checkups to blood pressure monitors. But if you have an FSA, you may be wondering whether or not skin problems fall under standard healthcare expenses covered under your account. In other words, are dermatology treatments eligible expenses with your FSA?
Let's take a look at how skin care ailments are handled with an FSA, so you know what you can and can't pay for when dealing with these problems.
Which dermatology treatments are covered?
It's always important to remember that your FSA covers healthcare treatments that are defined by the IRS as medical care, which refers to health care services that can diagnose, mitigate, prevent, cure, and/or treat an injury, illness, disease, or symptoms of a disease.
Skin care treatments that are designed to alleviate a medical condition are covered with your FSA, including:
Dermatologist – Standard visits to a dermatologist to treat medical skin conditions are an eligible expense.
Acne – A condition resulting from oily skin and dead skin cells that causes pimples and bumps to grow on your face, ruining proms and selfies.
Eczema – An inflammation of the skin that causes you to itch.*
Psoriasis – A condition that causes skin cells to form scales that are dry and itchy.*
Rosacea – A condition that causes red bumps on your face, similar to a deep rash.*
But wait, there's more. Believe it or not, even Botox injections – yes, the same Botox that made red carpet interviews so fun these past few decades -- are an eligible expense if your doctor is using it to treat a medical condition such as excessive sweating, overactive bladder, and chronic migraines. This treatment may require a Letter of Medical Necessity (LMN), so check with your FSA administrator on what may be required.
Prescription medication and other treatments for these conditions are eligible expenses, but depending on the type of treatment you need, you may have to get a doctor's prescription or an LMN to receive reimbursement for your expenses. But don't worry if you still have questions -- your FSA administrator can tell you whether the skin care treatment you need requires either of the above for reimbursement.
We've barely scratched the surface on the skin care products available to you. Want a quick snapshot of how many skin care products are FSA-eligible? Start here.
Skin treatments that aren't covered with your FSA
Any skin care treatment that's primarily for cosmetic purposes isn't covered by your FSA. These types of treatments are categorized as general health services that aren't considered medical care and not eligible for reimbursement with an FSA.
Examples of general health skin treatments include laser hair removal, facelifts, acid peels, chemical peels, laser resurfacing, and microdermabrasion. While these treatments may provide benefits for your skin, they aren't used primarily to diagnose, treat, mitigate, cure or prevent a medical condition.
Skin care isn't something you may not think about very often (even though you should), but with your FSA, you can schedule regular visits to a dermatologist to make sure that you're screened for something as potentially serious as skin cancer. So continue using sunscreen and other Use FSA-eligible skin care products (hello, light therapy!) to keep your skin healthy and to help maintain your overall health.
FSA-eligible skin care products we love
dpl II Panel Professional Acne Treatment System
Treat your full face, neck, chest, hands and back in just 8 minutes.
Broad Spectrum Sun and Skin Protection
A variety of broad-spectrum sunscreens with SPF15+ protection are FSA-/HSA-eligible!
Don't waste time hunting for ways to spend your tax-free funds. In That's Eligible?!, we'll bring you these updates every Monday, so you don't have to. And for all things flex spending, be sure to check out the rest of our Learning Center, and follow us on Facebook, Instagram and Twitter.