ShopWhat SPF Should I Use?
The sun plays a very important role in our everyday lives. It helps keep our sleep pattern on track and helps our bodies produce Vitamin D, which is important for bone function and healthy skin. But like most things, it's only good in moderation. And for those who love the sun, you probably have a hard time accepting that.
The truth is, too much sun exposure is harmful to your skin, which is why we require protection from the sun's harmful ultraviolet rays. Deciding how much and what kind of protection you need depends on many factors. That's why we've put together an easy guide to help you choose the right protection.
All about UV
When considering sun protection, it's probably best to understand what exactly you're protecting yourself from. The sun's rays are made up of UVA and UVB rays, both of which can cause skin damage, but in different ways. According to the Skin Cancer Foundation, UVB rays cause sunburn and play a crucial role in the cause of skin cancer. While UVA rays are responsible for that glowy tan you're after, they're also wreaking havoc on your skin causing damage via aging and wrinkles.
A sunscreen's SPF protection refers to the protection it provides from the sun's UVB rays. So you're probably wondering, "What about UVA radiation?" That's where broad-spectrum protection comes in. Sunscreens with broad-spectrum protection do their best to block the entire spectrum of UV rays emitted by the sun, which is especially important when considering the harm UVB rays and UVA rays each cause.
Now that you understand what you're protecting yourself from, let's take a deeper dive into the pool of SPF so you can better understand which SPF number is right for you.
Shining a light on SPF
Not all SPFs are treated equally. So, before you ask yourself which SPF you should use, let's talk about what SPF is. The first question to consider is: what does SPF stand for? SPF is short for "sun protection factor," which indicates the effectiveness of a sunscreen vs. not wearing sunscreen. Sunscreens have many different SPF values from as low as 4 to as high as 110.
Understanding this value and what these numbers mean is essential to choosing the right SPF. According to MadeSafe.org, SPF 15 blocks 93% of UVB rays, SPF 30 blocks 97% of UVB rays, SPF 50 blocks 98% of UVB rays, and SPF 100 blocks 99% of UVB rays, but no one sunscreen blocks 100%. This also does not mean a higher SPF number provides longer UV protection. I know, we promised this was going to be an easy guide, but bear with us, this part is important: SPF 30 and SPF 80 both last the same amount of time, they just offer different degrees of protection within that time frame. That's why questions like when, how much, and how often you apply sunscreen are key.
So how much is enough sunscreen?
Great question. The answer is: it depends. To practice safe sun exposure, we recommend following the instructions provided by your sunscreen product; however, there are some hard and fast rules that apply to good skincare practice.
According to QSun.co, a good rule of thumb when you apply sunscreen is "one teaspoon per body part" of exposed skin. No one expects you to bring your baking set to the beach to ensure you're accounting for the proper amount, but it wouldn't hurt to measure out a teaspoon of sunscreen in your hand so you can get used to what that measurement looks like.
While this is a helpful tip, it doesn't take into account how body surface area differs from one individual to another. In that case, it's best to make sure no piece of skin goes untouched. Applying sunscreen to dry skin, 30 minutes prior to sun exposure is recommended by the Skin Cancer Foundation. This will ensure that the sunscreen has been completely absorbed by the skin to offer maximum protection against sun damage.
Another tip is to reapply, reapply, reapply. We can't stress this enough. According to the American Academy of Dermatology Association, one should reapply sunscreen every two hours or after swimming or sweating. We know, it's never convenient to break up a game of Marco Polo to reapply sunscreen, but you'll thank us later when you're not feeling the stinging effect of sunburn while trying to enjoy your s'mores.
Check your sundial
Luckily for planet earth, the sun never takes a day off, but for us, that means the sun is constantly emitting harmful UV rays. Having said that, it is recommended that you wear sunscreen everyday. But when you are spending time outdoors, the sun is strongest between 10 a.m. and 2 p.m., so your best bet is to make sure you're especially covered during these hours.
Even on cloudy days, up to 80 percent of the sun's harmful UV rays can penetrate your skin. According to the American Academy of Dermatology Association, it's especially important to look out for things like snow, sand and water as their reflective properties can enhance your skin's exposure to ultraviolet rays.
SPF by skin type
This leads us to the second-most-important consideration when choosing SPF and that is your skin type. Whether your skin is oily, dark, or fair, you will need to consider which SPF provides your skin with the maximum protection against sun damage.
For those with normal skin (neither dry nor oily) you're in luck. Any sunscreen is fair game for your skin type. You can pretty much pick your preference whether it may be reef safe, mineral, or chemical (we'll get to these in a bit).
For oily skin, you'll want to make sure you get a sunscreen that doesn't pack on the grease. The Healthy suggests finding a sunscreen with "ensulizole as the UVB blocker, since it's the least greasy." You can also consider a powder mineral sunscreen to avoid the greasiness.
For dry skin, try a sunscreen and moisturizer combo. Another option is finding sunscreens with soothing emollients, which according to Healthline, "coat your skin with a thin oily film that seals the water in your skin," thus keeping your skin hydrated.
And then there's acne-prone skin. Have no fear, there's SPF protection just for you. Search for a lightweight moisturizing sunscreen that is "non-comedogenic," which is a fancy word for, "will not clog your pores and cause acne."
If you have particularly sensitive skin, you may even want to seek shade during the sun's high point of the day. Choosing protective clothing to minimize the amount of skin you have exposed to the sun altogether is also a good idea. Plenty of outdoor apparel retailers offer built-in UPF (ultraviolet protection factor) that blocks both UVA and UVB rays.
And if you have a history of skin cancer, or may be at high-risk for skin cancer, avoiding excess sun exposure may be best. But in the event you find yourself in the sunlight, the Skin Cancer Foundation suggests that SPF 50 may not be enough protection. Consult your doctor about which protection may be right for you.
Chemical or Mineral
There are essentially two different types of active sunscreen ingredients that help prevent UVA and UVB rays, and they are chemical ingredients or mineral (physical) ingredients. Here's how they work:
Chemical sunscreen products use active ingredients like oxybenzone, avobenzone, octisalate, octocrylene, homosalate, and octinoxate which according to Piedmont Healthcare, absorbs the sun's rays, converts the rays to heat, and releases them from the body.
Mineral sunscreens "work like a shield, sitting on the surface of your skin and deflecting the sun's rays," according to the American Academy of Dermatology Association. These use active ingredients like zinc oxide and/or titanium dioxide and are typically a good alternative for sensitive skin types or even babies and toddlers.
No matter your desired protection, make sure not to miss the top of your head, ears, and even your lips! The American Academy of Dermatology Association recommends a broad-spectrum lip balm with a minimum SPF value of 30 for healthy, sun-kissed lips.
So which SPF is right for me?
You've probably learned by now that there is no one magic number that covers every circumstance, but what you now know are the steps it takes to find out which SPF works best for you when you need it. So the next time you go shopping for sunscreen, find the right SPF by asking yourself the following:
- Who the sunscreen is for (children or adults)
- Skin type
- Sensitivity to sun exposure
- Amount of time you will be spending outdoors
- Your preference for the type of SPF protection (chemical or mineral)
- Lastly, always make sure your sunscreen has not expired
Remember, you can always start with a water-resistant, broad-spectrum sunscreen with a minimum SPF value of 30, which is recommended by dermatologists and research done by credible organizations. (We suggest listening to the pros on this one.) Now put up your broad-spectrum covered feet up and enjoy the great outdoors with peace of mind.
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A Guide to the Best Over-the-Counter Allergy Medicine for You
Whether you suffer from seasonal allergies, or the whole year is just one big sneezing fit, finding the best over-the-counter allergy medicine can be a case of trial and error. With antihistamines, decongestants, combination treatments and more to choose from, there's a lot of products to sift through as you try to find the right medication for your allergy symptoms.
Thankfully, with the passage of the CARES Act in March 2020, an allergy sufferer can now purchase over-the-counter allergy medicines with no prescription required, so you can now factor in the cost of these medicines into your yearly FSA contributions. Effectively, an entire section of your pharmacy has just been opened up to FSA spending, so it's time to take advantage!
FSAstore.com makes it easy to get the health and wellness products you need to stay healthy, and with hundreds of newly stocked medications now available, we have a lot more topics to write about on the FSA Learning Center! First, let's start by examining the most common allergy medicines available for FSA spending, so you can pinpoint the best or new over-the-counter allergy meds for you and your family.
Your OTC Allergy Meds Guide
1. Antihistamines
As one of the most common OTC allergy medicines on the market, what antihistamines do is right in the name: they fight back against histamine. According to the Mayo Clinic, histamine is a chemical that is created in the body when it comes in contact with an allergen. Producing histamine is the body's immune response to allergens, which results in common allergic reactions like sneezing, sniffling, watery eyes, breaking out in hives and more. Antihistamines reduce the production of this chemical to ward off the most common symptoms of allergies.
When should I use antihistamines?
Antihistamines are a great choice during allergy season, but some may have side effects that could change how and when they are used. Some antihistamines are known to make users drowsy or tired, so always check for proper dosage and side effects when taking this medication, as well as taking into account the types of activities you will partake in after taking it. Antihistamines are available in pills, nasal sprays, eye drops and more.
Common Over-the-Counter Antihistamines: Cetirizine (Zyrtec, Zyrtec Allergy), Desloratadine (Clarinex), Fexofenadine (Allegra, Allegra Allergy), Levocetirizine (Xyzal, Xyzal Allergy) and Loratadine (Alavert, Claritin).
2. Decongestants
Decongestants are often used in tandem with antihistamines to combat a wide range of allergic symptoms and can provide allergy relief for congested nasal passage ways, but they are also sold as stand-alone medications to relieve nasal congestion. But according to WebMD, decongestants work by combating the body's immune response to swell when coming into contact with an allergen, and this typically can happen in the nasal passages that can result in feeling "stuffed up." By reducing this swelling, nasal passages can clear and decongestants can aid in treating seasonal and year-round allergy symptoms.
When should I use a decongestant?
When it comes to a stuffy nose and swollen nasal passages, decongestants are the best choice and are available in pills, liquids, nasal sprays and nose drops. As opposed to antihistamines, decongestants can sometimes leave users jittery or may experience trouble sleeping, so if this continues, speak with a doctor about your treatment options.
Common Over-the-Counter Decongestants: Oxymetazoline (Afrin, Dristan), Phenylephrine (Sudafed PE, Suphedrin PE), Pseudoephedrine (Silfedrine, Sudafed, Suphedrine)
3. Corticosteroids
Corticosteroids are another type of allergy medicine that is designed to fight inflammation to alleviate allergic reactions. According to Healthline, Corticosteroids are medications designed to emulate cortisol, a hormone naturally produced by the body's adrenal glands. Cortisol plays a vital role in a wide range of processes in the body, including metabolism, immune response, and stress. These medications are primarily used in treatment for respiratory allergies like asthma, but are effective in preventing and relieving stuffiness, sneezing and runny noses.
When should I use corticosteroids?
The vast majority of corticosteroids are only available as a prescription medication, and are used to treat a variety of conditions aside from allergies, including asthma and arthritis. For allergy sufferers, corticosteroids are primarily used to fight inflammation in the body caused by the immune system's response to coming in contact with an allergen. Corticosteroids are available in pills, nasal sprays, inhalers, skin creams and more.
Common over-the-counter corticosteroids: Hydrocortisone (Cortizone), Budesonide (Rhinocort), Fluticasone furoate (Flonase Sensimist), Fluticasone propionate (Flonase Allergy Relief), Mometasone (Nasonex) and Triamcinolone (Nasacort Allergy 24 Hour).
4. Mast Cell Stabilizers
First thing's first: what's a mast cell? It's actually a type of white blood cell that responds when the body comes in contact with antigens (foreign substances that the body perceives as a threat, such as allergens). By "stabilizing" these reactions with targeted over-the-counter allergy medicines, allergic reactions like stuffy noses, sneezing and more are kept under control by adjusting the body's immune response, reports Drugs.com.
When should I use mast cell stabilizers?
For most people, mast cell stabilizers are used when traditional antihistamines don't have the desired effects in fighting off allergy symptoms. Additionally, the Mayo Clinic reports that these drugs are generally safe but usually need to be used for several days to produce the full effect. In most cases, mast cell stabilizers are used to control asthma and allergy symptoms, specifically allergic and chronic rhinitis.
Common over-the-counter mast cell stabilizers: Cromolyn (Nasalcrom)
What's the best choice for me?
Over-the-counter allergy medicines, especially now that they're FSA-eligible, are an effective means of treating seasonal and chronic allergies year-round and can help get symptoms under control. But, no two allergic reactions are alike, and your treatment plan for allergies is uniquely your own, so we advise that before beginning any OTC medication regimen, speak with your doctor to learn about the full extent of your allergies and underlying health to find the medication that works for you — especially if you find that your current allergy medicine is not working.
The vast majority of allergy medicines on the market today are only available by prescription, and some targeted therapies are only available with a prescription from a doctor. Products such as leukotriene modifiers (Singulair) and emergency epinephrine shots (EpiPen) are only available with a prescription from a doctor and treat allergic reactions in specific, targeted ways. It may be possible that these options are a better choice to treat your allergies, so it's always best to start any treatment plan by consulting your doctor.
Finally, your current state of health also dramatically impacts what sort of treatment plan you or a loved one should pursue to treat your allergies. According to the Mayo Clinic, chronic health conditions, being pregnant or breastfeeding, age and taking other medications should be factored into any treatment plan, so these are important factors to bring up with your doctor when going in for a visit to talk about which are the best over-the-counter allergy meds for you and your family.
Now that OTC medicines are fully FSA-eligible, you have more options than ever to take advantage of your tax-free healthcare funds. If you or a loved one are still dealing with daily allergy symptoms, your FSA may just be a helpful tool on your path to allergy season relief!
Thanks for visiting the FSA Learning Center! We'll keep you posted on all the FSA changes that may be coming in the foreseeable future, so be sure to to follow us on Facebook, Instagram and Twitter for the latest updates.
That's Eligible?! Using FSA dollars for eye care
Considering nearly two out of every three Americans wear prescription glasses, it's surprising there's so much confusion around the FSA eligibility of eye wear and vision care. What's even more surprising is why more Americans aren't using their tax-free funds to pay for the products and services necessary to maintain proper eye health. And we're not just talking eyeglass repair kits and lens wipes -- there are some seriously surprising eye care items on our Eligibility List.
Since this winter is just getting started let's get ahead of your eye care and protection so you can make the most of the outdoors in the months ahead.
Contact lenses? Yes!
Let's be clear: there are plenty of places to buy contact lenses. But how many of them allow you to choose from a huge range of brands, entirely with your FSA, without wondering if the ones you want are eligible. Maybe we're a little biased, but we think you'll enjoy buying your contacts this way. (Oh, and when you pay with your FSA card, you can skip the receipts process!)
Prevention starts with protection…
No, we're not talking about high school health class… But the same thinking applies. According to a survey from The Vision Council, 75% of American adults in a survey are concerned about UV eye exposure, but only 31% report wearing sunglasses when going outside.
And cloudy days aren't much safer than sunny ones; you can still do some damage when it's overcast, because UV rays break through clouds and can damage unprotected eyes. Prescription sunglasses are FSA-eligible, so what's stopping you from being smarter than the 69% of people who leave their eyes unprotected?
Some lesser-known eye care options
We've used plenty of digital ink showing how laser eye surgery (more commonly known as LASIK) is completely eligible for FSA and HSA reimbursement. And we hope people are realizing that LASIK surgery is often inexpensive enough to cover entirely with their flexible spending funds.
It's not limited to LASIK, either. Medically necessary treatments and routine eye exams are all part of FSA eligible vision care.
Now, for arguably the most surprisingly eligible vision care expense of all -- guide dogs. The National Federation of the Blind has a list of guide dog schools that can connect you or your loved ones with the right service animal, should you need assistance getting around because of visual impairment or blindness.
Other eligible eye and ear care
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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.
Flex-Ed: 3 ways technology has simplified FSA management
Flexible spending accounts (FSAs) can be one of the mostly useful tools an employee can have. But historically, people have mistakenly viewed them as difficult to manage. Now, with connected technology around us at all times, FSAs are simple to manage and use, changing the way people view these accounts.
With open enrollment coming up, if you're on the fence about enrolling in an FSA because you think they're difficult to handle, check out all the ways tech has made it a breeze to stay on top of your funds.
FSA debit card
By far one of the biggest developments in the FSA world is the arrival of the FSA debit card. Traditionally, FSA expenses were paid for with the account holder's cash, check or credit card, and then these expenses were submitted for reimbursement to the FSA plan sponsor with the required documentation (receipts, invoices, etc.).
Most providers now issue FSA cards for account holders, which dramatically simplifies the claims process and makes it easier for you to pay for out-of-pocket health care costs. Just be sure to hold onto your receipts in case your administrator requires you to submit documentation.
FSA portals
Most FSA administrators offer 24/7 access to your FSA details through a dedicated FSA portal. Your FSA portal will typically allow you access to your account balance, the ability to submit and manage claims online, contact information, FAQs and much more. Before you start dialing your administrator, visit your portal (which are usually accompanied by a mobile app) to see if the answers you need are there. It's faster, easier and more efficient!
FSA educational tools
The crisis surrounding FSAs for decades was always a question of education - whether information was made available to workers and whether HR managers could answer in-depth questions related to FSA rules and regulations set forth by the IRS. That's why we launched this Learning Center -- because we know consumer education is one of the biggest stumbling blocks to FSA enrollment.
In addition to the articles on this page, we also have an entire suite of FSA tools to help you cover every angle of your account, including:
- FSA Eligibility List: The web's most comprehensive eligibility list detailing medical products/services and their eligibility with FSAs, HSAs and other consumer-directed health care accounts.
- FSA Calculator: We've created a way to calculate exactly how much FSA money you should set aside based on your income, marital status and state.
- FSA Tracker: Not all FSA plan years are the same, so make sure you stay on top of your deadline. Submit your FSA deadline in our tracker for email reminders sent to you when your deadline is around the corner.
Guaranteed FSA-eligible products!
Nothing is easier for FSA users than visiting a website and knowing each and every item is guaranteed-eligible. No confusion, no comparing sites, no guesswork. Just a growing collection of 4,000+ eligible health and wellness products, able to be purchased with an FSA card or regular credit card.
Kanjō Travel Acupressure Set
A simple yet effective at-home and on-the-go solution for neck, back and foot pain.
Battle Creek Migraine & Headache Deluxe Kit
Finally, a drug-free approach to headaches that can be personalized for the user.
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New to FSAs? Need a refresher course in all things flex spending? Our Flex-Ed column gives you a weekly dose of FSA Living 101, offering tips for making the most of your tax-free funds. Look for it every Thursday, exclusively on the FSAstore.com Learning Center.
Asked and Answered: Can I use my FSA for my child's eye care?
It's back-to-school time, and as you scramble to get your kids ready for the new academic year, there may be more to think about than just picking up school supplies.
This is because August is Children's Eye Health and Safety Month, sponsored by the American Academy of Ophthalmology (AAO). Each year, the organization aims to provides information to the public that can help protect and preserve your child's eye health.
Luckily, whether you have a standard flexible spending account (FSA) or a limited care flexible spending account (LCFSA), your benefits can cover a significant portion of vision care expenses that can help your child see clearly throughout the coming school year. Here are just a few of the AAO's suggestions of what you should cover as the calendar flips to September and school gets underway.
Vision exams
According to the American Optometric Association (AOA), an eye exam is recommended for school-aged children every two years if there is no vision correction issue present, and those who need glasses or contact lenses should visit on an annual basis.
Before your kids get back in the classroom this fall, make an appointment with your optometrist to ensure your child's eyesight is healthy - and use your FSA to offset the costs.
Eyeglasses/contact lenses
Another good plan is to make sure your kids have up-to-date glasses and contact lenses that can stand up to the rigors of childhood. Your FSA covers reading glasses, prescription eyeglasses and prescription contact lenses.
If your child's eye wear is in need of an update, your FSA can cover the fresh new look they've been looking for. Visit our Optical Store to browse our selection of leading eye care brands.
Are all types of contacts covered?
If contacts are designed to correct vision problems, they're FSA-eligible. Though insurance companies might have their own policies regarding coverage of specific types or brands of lenses, they're usually reimbursable with your tax-free funds. Plus, unlike some insurance providers, which may not cover contact lenses in place of eyeglasses, if the contacts are prescribed to correct vision they are eligible, regardless of insurance plan coverage.
Vision correction accessories
Are you running low on contact lens solution? Has your child misplaced a carrying case? In addition to vision correction methods, your FSA covers a huge slate of products that can protect and prolong the lifespan of your kids' eyeglasses and contact lenses. Contact lens solution, eyeglass repair kits, cleaning cloths and much more are eligible for FSA reimbursement.
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From FSA basics to the most specific account details, in our weekly Asked and Answered column, our team gets to the bottom of your most-pressing flex spending questions. It appears every Wednesday, exclusively on the FSAstore.com Learning Center. And for the latest info about your health and financial wellness, be sure to follow us on Facebook, Instagram and Twitter.
Real Money: Why your FSA doesn't let you stock up on products
An FSA is a "use-it-or-lose-it" plan, which means if you don't spend all the funds in the account before the end of the year, you lose that money. So, what happens if it's December and you still have a lot of money left in your FSA account? Can you stock up on eligible products to make sure that you don't lose those funds?
The answer is no. But, there are still some options that can help you avoid this situation, so let's take a look at how you can take advantage of all your FSA benefits before year's end, while doing so within the guidelines of your FSA.
What does "stockpiling" mean with an FSA?
While the term hasn't been fully defined, according to informal remarks made by an Internal Revenue Service (IRS) official, stockpiling eligible items under your FSA means that you buy more items than you're able to use before the end of the taxable year.
Buying any more than three of the same item could be considered "stockpiling." By the very nature of FSAs, any product you buy should be to fill a need for you, your spouse or a qualified dependent. Because of this, the IRS doesn't let you to stock up on eligible items with your FSA, and your administrator can usually figure out that you're stockpiling by analyzing how many items you bought towards the end of the year.
Let's say it's December 1st and you still have $600 left in your FSA. You realize that you're running out of nasal spray, so you decide to buy 25 packs of your favorite saline solution, so you can stock up for the rest of the year and into the next, and use up the remaining balance in your FSA.
The problem is that unless you're somehow going to use all that saline solution in the next 30 days, your FSA administrator may flag that purchase as stockpiling.
If you stock up at the end of the year, your FSA administrator is probably going to send you an alert to inform you that this kind of spending isn't allowed and that those purchases wouldn't be eligible for reimbursement.
Take advantage of rollover and grace period options
The best way to avoid stockpiling is to spend down your FSA balance before you get to the month of December when the mad scramble to use your benefits tends to hit the hardest.
But if you find that you can't quite pull that off, it's important to know that some FSA plans allow you to carry over up to $500 of unused funds into the next calendar year. If your plan doesn't offer that rollover option, it may offer a grace period of two-and-a-half months at the end of the plan year.
This grace period carries over the remaining balance in your FSA into mid-March of the next calendar year for those running on a calendar year plan, which gives you more time to spend that money before you lose it.
At the beginning of the plan year, make sure you ask your FSA administrator whether your plan offers a rollover or a grace period option so you can plan your spending well in advance.
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Whether you budget week-to-week, or plan to use your FSA for bigger things, our weekly Real Money column will help you maximize your flex spending dollars. Look for it every Tuesday, exclusively on the FSAstore.com Learning Center. And for the latest info about your health and financial wellness, be sure to follow us on Facebook, Instagram and Twitter.
Real Money: What's the deal with FSAs and weight loss programs?
Maintaining a healthy weight has a whole heap of benefits, one of which is warding off medical conditions. Diet and exercise is important whether you're just looking to fit into your jeans or keep up with your little ones. Sometimes you need a little push and signing up for a weight loss program could help keep you accountable and increases your chances of success.
Well, weight loss programs don't qualify for FSA reimbursement at this time. You can only use your FSA funds for weight loss programs in very limited circumstances, and even then, you will likely need to provide extensive documentation in order to be reimbursed. Before signing up for any type of weight loss program in which you plan to use your FSA funds, make sure to talk with your FSA plan administrator.
So, what weight loss products and services are eligible?
Like any other health care product, you're only able to use your FSA funds for a weight loss program if the purpose is to treat, mitigate, cure, diagnose or prevent a specific illness. This condition needs to be diagnosed by a physician and may include conditions such as obesity, heart disease and hypertension. In short, if you're doing it to fit into those jeans, that's not going to make the cut.
Once your physician does state that you should lose weight specifically to treat an illness, there may be related expenses that will qualify for FSA reimbursement. (Emphasis on "may.") This may include membership fees for a weight loss program and attending meetings. Gym, health club and spa memberships could be tougher to get approved, but you may be able to use your FSA on fees for weight loss activities with supporting documentation submitted to your administrator.
If your physician prescribes food that will help you treat your illness, you may be able to deduct a portion of that expense as well. The food can't just be part of your regular diet and must be for the purpose for treating the illness.
In other words, diet pills and meal substitutes probably won't count as an FSA-qualified special food. If there is a special food specifically prescribed to treat your condition, and the cost of that food is more than the cost of a similar food, you may be able to be reimbursed for the difference in cost.
Some FSAs may require a letter of medical necessity or similar form of documentation in order to be able to be reimbursed for these expenses. This letter basically verifies that your weight loss program or special food is specifically for the treatment of a disease. As each FSA administrator has different requirements, you'll want to check with them first on exactly what this letter will need to include.
How much can I submit for FSA reimbursement?
You can only submit FSA expenses that qualify for reimbursement as outlined previously, and only up to the amount you have elected to contribute to your FSA.
If you're interested in losing weight for health reasons, it's best to speak with your doctor beforehand. He or she will be able to assess your situation and see what programs or regiments will help. And if you're interested in involving your FSA with that weight loss goal, you definitely want to check in with your FSA administrator on what might qualify.
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Whether you budget week-to-week, or plan to use your FSA for bigger things, our weekly Real Money column will help you maximize your flex spending dollars. Look for it every Tuesday, exclusively on the FSAstore.com Learning Center. And for the latest info about your health and financial wellness, be sure to follow us on Facebook, Instagram and Twitter.
What is the shelf life of my sunscreen?
Summer's here, and that means long days, plenty of sunshine and the opportunity to enjoy the great outdoors with your loved ones. As you prep for the many adventures ahead, sun protection should be at the top of your list of priorities. But before you reach for that dusty bottle of sunscreen you stored last fall, it may be wise to check the expiration date first!
Is last year's sunscreen still effective?
First and foremost, the best indicator of the current state of your old sunscreen is to look at the expiration date. According to the Skin Cancer Foundation, to test shelf life, manufacturers store a product at 40°C with 75 percent humidity; then at 40°C with 25 percent humidity; and then test it at 0, 1, 2 and 3 months.
Stability for three months in these laboratory conditions is comparable to three years in normal environments. In the vast majority of cases, you can reliably expect your sunscreen to last at least 3 years from the date you purchased it and the expiration date is a reliable indicator of its effectiveness.
In addition to the importance of the expiration date, you should also be mindful of the look and feel of the sunscreen to ensure that it hasn't broken down from one season to the next. The Mayo Clinic advises individuals and families to avoid previously-used sunscreens that may have obvious changes in color or consistency, as they may have lost their efficacy over time.
Where should I store my sunscreen?
At the end of each summer, most sunscreen is tucked away underneath the bathroom sink or stored in a closet, which may not be the best location for extending their shelf life. According to Drugs.com, sunscreen should be stored at room temperature, between 59 and 86 degrees Fahrenheit. Additionally, it should be kept in a dark space to prevent light from causing the ingredients to separate.
So, in most cases, the fluctuating temperature and humidity levels of bathrooms are not the ideal spots for storing sunscreen, so stick with the dark, room temperature closet, instead.
Neutrogena Beach Defense Sunscreen
Protect yourself from harmful UVA/UVB rays in the water and the sun with this sunscreen spray.
Coppertone Kids Sunscreen
This sunscreen has 80 minutes of water resistance, and stays on strong when kids play.
How to pick the perfect FSA-eligible baby sunscreen
As a new mom or dad, you have a laundry list of infant health issues to be concerned with, but now that we're in the dog days of summer, sun care is likely at the top of your list of priorities. Sunburn is especially dangerous for a child's skin, and the Skin Cancer Foundation reports that suffering one or more blistering sunburns in childhood or adolescence more than doubles a person's chances of developing potentially-deadly melanoma later in life.
This risk is especially acute in infants, as babies younger than 6 months old should never be in direct sunlight, while infants 6 months and older must be well-protected with sunscreen when outdoors, according to The Mayo Clinic. But how can you pick the ideal sunscreen for your little one? Here are a few key features to look for when shopping for FSA-eligible baby sunscreen.
- Broad spectrum protection
On each bottle of sunscreen there are two important pieces of information to look out for. First, the product is most effective if it offers broad-spectrum protection against UVA and UVB rays, which are the primary causes of sun damage. Additionally, the product's sun protection factor (SPF) is significant as well.
The Mayo Clinic suggests that baby sunscreen should be at least SPF 15 to provide an adequate level of protection against the sun's rays (and if using your FSA to purchase the sunscreen, only those that are SPF 15+ will qualify as eligible).
- Chemical-free sunscreens
Chemical-free sunscreens are the better choice for baby sunscreen for two very important reasons. First and foremost, if ingredients in a chemical sunscreen run due to sweat or another form of moisture, they could sting the baby's eyes or could even cause a skin reaction.
Chemical-free sunscreens typically contain active ingredients like zinc oxide and titanium oxide, and BabyCenter reports that these products have the added benefit of being active from the second they are rubbed onto the skin, as opposed to chemical sunscreens that may need 15-30 minutes to become active.
Now, refine your sun care routine!
When you've found the perfect baby sunscreen, it's important to remember that an infant's skin burns very easily, so you'll need to practice additional sun safety measures. These include:
- Seek the shade: Whenever possible, make an effort to keep your baby in the shade to ensure that he/she will not receive direct sunlight for the majority of your time outdoors.
- Avoid peak sun hours: According to The Skin Cancer Foundation, UV rays are at their most intense levels between 10 a.m. and 4 p.m., so re-apply sunscreen generously during these hours or keep your outdoor time reserved for the early morning and evening when the sun is not its strongest.
- Invest in sun-protective clothing: In addition to using baby sunscreen, there are a number of great sun protective clothing items that can protect your infant's skin. Tightly-woven or knit clothing, hats and dark/brightly colored clothing offer the best possible protection from the sun.
For everything you need to keep your family healthy year-round, you can rely on FSAstore.com! We have the web's largest selection of FSA-eligible products to help you maximize the potential of your employee benefits.
Sunscreen
With powerful UVA/UVB protection, stay out of harm's way with a wide variety of FSA-eligible sunscreens.
Water-Resistant Sunscreen
Stay protected in and out of the water with water-resistant sunscreen spray.
Sources:
http://www.skincancer.org/media-and-press/press-release-2013/kids
http://www.skincancer.org/prevention/sun-protection/sunscreen/choosing
https://www.babycenter.com/404_what-kind-of-sunscreen-is-best-for-children_12504.bc
That's Eligible?! Head outdoors this Memorial Day with FSA-eligible products
Technically, the beginning of summer is in June, but if you ask most Americans, the real start of summer is Memorial Day weekend! With a long weekend to look forward to, many will hit the road for their first beach excursion, host a barbecue and enjoy time with their friends and family.
No matter where you're headed this weekend, you and your loved ones' health should still be a top priority! Your flexible spending account (FSA) covers a surprising range of products that can help you prevent or tackle possible health issues with ease. When you're prepping for Memorial Day weekend, here's how to use FSA funds to welcome the warm weather season.
- Sun care bundle
Unless you've been working on your base tan all winter long, your skin is far more susceptible to sunburns during the early summer. In addition to being extremely uncomfortable, sunburns can increase your risk of skin cancer, so make sure you and your loved ones are protected with sunscreen with broad spectrum protection. Broad spectrum sunscreen blocks out UVA and UVB rays, the primary wavelengths of UV light that contribute to sunburns.
Check Out: MDSolarSciences Bundle "The Sun Never Sets"
- First-aid kit
Whether it's a minor scratch or an injury that may require more advanced medical attention, make sure you have a solution when a sudden emergency rears its head. First aid kits are a great investment in the early summer that you can keep handy around the house, in your car/RV/boat or wherever you're headed to respond confidently when an injury arises.
Check Out: Adventure Medical First Aid Kit Comprehensive
- Elastic bandages
Going to play a game of pickup football with your friends? Or are you heading on a hike in your favorite state park? Elastic bandages are a great item to have around the house in the case of a muscle or tendon injury, as they can immobilize injured areas so you can heal more quickly.
Check Out: ACE 2" Elastic Bandage with Hook Closure
- Anti-allergy nasal spray
If you're still contending with the worst of your seasonal allergies, be sure to pick up allergy medicine before spending extended time outdoors this Memorial Day weekend. Anti-allergy nasal spray can help you overcome seasonal triggers like tree/grass pollen, mold spores and even indoor irritants like mold and pet dander.(While you're at it, grab some Boogie Wipes for good measure!)
Check Out: Flonase Allergy Relief Nasal Spray, 120 Count
MDSolarSciences Bundle
Your need for sunscreen goes way beyond the beach.
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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, YouTube and Twitter.
That's Eligible?! 3 FSA-eligible ways to improve home air quality
"Air pollution" is typically associated with large, industrial cities, but the truth is the air in your home might be even more polluted than outdoors. According to a recent report by the Environmental Protection Agency, indoor air pollution is a top environmental concern and can have serious health implications. Taking steps to control the air quality in your home can ultimately reduce your risk of related health concerns.
Luckily, there are some simple solutions that can improve at-home air quality. The best part? The following options just might be FSA-eligible, and worth investigating if your medical needs meet the requirements. In other words, you may be able to decrease air pollution in your home and save money. It's the ultimate win-win.
Air purifiers
Air purifiers work to decrease contaminants in a room, and they're especially beneficial for people with allergies or asthma. However, air purifiers also help to increase air quality, decrease pet dander and heal skin irritations. The stronger types of air purifiers are standalone purifiers and those that connect to larger air conditioning units.
Depending on your needs you may want to select a purifier that's designed to handle the specific source of your air quality concern. Whether that's pet dander, smoke, pollen, or even cooking odors. But always remember, the primary requirement for a good air filter is a high "Clean Air Delivery Rate."
Verdict: FSA-eligible with a letter of medical necessity from your doctor or healthcare provider. Note: Not all administrators will allow for this and it depends on your medical condition.
Air conditioners
One of the best ways to improve air quality in your home is by controlling the moisture. Here's how it works—mites and mold thrive in dark, damp places, so if you have a bathroom or basement that isn't properly ventilated, there's a good chance that the moisture in those rooms are negatively affecting your air quality.
Air conditioners with clean filters can help your house stay dry and properly ventilated throughout the entire year. For people who live in warmer climates, air conditioning units can help ensure you keep your windows closed during the heat.
Open windows allow pollen and other allergens to enter your home and harm the air quality. If you're looking to add central air conditioning, it's important to note this: Only the amount spent above the value added to the house is eligible for a reimbursement claim through your FSA.
Verdict: FSA-eligible with a letter of medical necessity from your doctor or healthcare provider.
Air filters
One of the most important things you can do to improve air quality in your home is to regularly change your air filters. If you don't have pets, you should change your air filter every 90 days. If you have one pet, the filter should be changed every 60 days. If you have more than one pet or struggle with allergies, the air filter should be changed every 30 days.
Another way to improve the air quality in your home is with high-efficiency particulate air (HEPA) filters. These filters have a special mesh that traps mites, dust, and other particulars that can make it difficult to breathe properly.
Verdict: FSA-eligible with a letter of medical necessity from your doctor or healthcare provider.
If you plan to use your FSA to pay for the products above, we recommend that you check with your FSA administrator first to see what they'll allow, and what paperwork is required to make it happen.
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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.
That's Eligible?! Fitness expenses and your FSA
When you're looking for a little inspiration to get back in the gym, a bit of self-investment can go a long way. Whether it's a new lineup of workout gear, a fitness tracker or a new pair of running shoes, you don't want to waste your hard-earned money -- which might just be the boost you need to stay on top of your fitness goals.
Exercise can help prevent many health issues later in life, so why wouldn't fitness products be FSA-eligible? The reality is that IRS regulations are pretty rigid about FSAs covering only products that treat a specific condition. As of right now, these fitness expenses are NOT eligible. But, let's cut through the confusion about a few of the most asked about fitness products and services, to see if they're FSA-eligible.
1. Fitness trackers
We hear about trackers -- like Fitbit or even the Apple Watch -- all the time. While digital fitness trackers have been introduced to company wellness programs as an incentive for employees to get in better shape, they aren't considered FSA-eligible by the IRS because they don't treat or alleviate any one specific health issue.
However, we know that tracking vitals is important for some to keep on top of their wellness. That's why we carry a wide range of more targeted, hi-tech, 100% FSA-eligible health tracking products like blood pressure monitors.
2. Footwear
Because of IRS guidelines, even the most advanced cross-training shoes don't qualify as FSA-eligible. But that doesn't mean you can't treat your feet with your flex dollars. Your FSA will cover orthotics, arthritis pain insoles and other shoe inserts. They can reduce the impact of exercise on your feet and lower body and help you avoid injuries from poorly-fitting shoes.
3. Gym memberships
As much as we want to use our FSA funds to cover your monthly gym membership, it's not considered a qualifying expense. However, if regular exercise becomes necessary for your health, this is an expense that could be eligible with a Letter of Medical Necessity (LMN).
If you have a medical condition, such as obesity, and a doctor requires you to work out, they can create an LMN for your benefits administrator that could allow you to cover these costs with your FSA. Check out this post for more about these exceptions, and the LMN process.
If you're looking to invest in home exercise equipment to meet fitness goals, they follow the same guidelines as gym memberships. You'll need to prove that you have a medical condition which requires you to buy specific workout equipment for your home, using an LMN provided by your physician.
Shoe Inserts
Shoe inserts provide support where you need it most. Shop our variety of FSA-eligible inserts and find a pair that best fits your needs.
Blood Pressure Monitors
Measure blood pressure in your home or on-the-go with our selection of easy-to-use blood pressure monitors.
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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.
Asked and Answered: Can I open an FSA while I also have an HSA?
Lowering the cost of healthcare is a smart move, no matter how you look at it. Aside from paying lower premiums and taking care of your overall health, many people take advantage of tools that help make their health care costs tax deductible. These include a health savings account (HSA) and a flexible savings account (FSA).
Even though they're referred to interchangeably, these are very different types of accounts. Both HSAs and FSAs are similar in that they help you make qualified health purchases using tax-free funds. But with limited exceptions, you can't have both. This means if you want to take advantage of your employer's flexible spending account, you may not be able to contribute to your HSA.
There are some instances in which you may be able to elect both accounts at once. You can technically have both if you have a certain type of FSA and meet the qualifications of an HSA.
Run of the mill just won't do
First, let's quickly go over what you need to qualify for an HSA:
- You're currently covered under a high-deductible health plan (HDHP)
- This plan has an minimum annual deductible of $1,350 or $2,700 for families
- Your plan has an annual out of pocket maximum of $6,750 (or less) or $13,500 for your family
- You aren't currently on Medicare or supplemental health care plan (including a spouse's employer- sponsored plan)
- You're not considered a dependent under anyone else's tax return
- You're not covered under other disqualifying health coverage, including yours or your spouse's enrollment in a traditional FSA
An FSA counts as "other health coverage," according to IRS Publication 969. So your run- of- the- mill FSA will probably not be compatible with an HSA. And it's important to note that if your spouse elects an FSA that's not compatible with an HSA, your ability to contribute to an HSA goes out the window, as you're technically considered covered under that FSA (whether your spouse adds you as a dependent to the plan or not).
If your employer offers either a limited-purpose health or a post-deductible health FSA (also referred to as an "HSA-compatible FSA"), start celebrating! It means you can have an HSA alongside your FSA. And who doesn't want more tax-free spending on qualified medical expenses?
It doesn't have to be confusing...
Before running off and opening an FSA alongside your HSA, make sure you understand the pros and cons of each. Look carefully at your lifestyle to see if it even makes sense. You want to know if you'll be able to use up your FSA funds as you'll lose them after the end of the plan year (with the exception of those with deadline extensions or a $500 rollover).
Limited-Purpose FSA
This type of account typically only allows you to spend money on qualified dental and vision expenses. The account can also be used for your spouse and qualifying dependents including children through the age of 26.
Let's say your spouse goes to the dentist only to find out he needs a root canal within the next few months. It might make sense to contribute to a limited-purpose FSA because you can save your HSA funds for something else. You can then make a contribution to your limited-purpose FSA for the root canal.
Remember to check with your plan administrator or HR department about all of the details of your plan, including which plan will automatically pay first. If the plans are set up so that your HSA funds are withdrawn first, you may want to see if it's possible to have FSA-eligible expenses withdrawn from the FSA first, or if you'll have the ability to request that they be transferred from the HSA to the FSA.
Post-Deductible FSA
This isn't a common type of FSA. Before you hit your minimum deductible for the year, expenses are limited to dental and vision only with this account. Once you hit your minimum HSA deductible for the year, you can use the money from the post-deductible FSA account for all qualified medical expenses.
Just remember that if you reimburse an expense from your HSA, you can't also do it with your FSA.
So, let's say your minimum deductible is $2,700 for your family in your HSA. You can still access your post-deductible FSA for any vision and dental expenses until you reach $2,700 in expenses incurred that apply to your deductible. This plan would make sense to those who anticipate vision and dental expenses, or expect to set aside more than the HSA will allow.
Yes, you can have an FSA with an HSA
As long as your employer offers either a limited-purpose or post-deductible FSA, you can keep your HSA with no issues! Remember, FSA funds disappear after the plan's year is over with a few exceptions, so make sure you'll definitely use that money before making any contributions.
If so, you can let your HSA contributions compound and grow while still being able to take advantage of tax-free medical spending.
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From FSA basics to the most specific account details, in our weekly Asked and Answered column, our team gets to the bottom of your most-pressing flex spending questions. It appears every Wednesday, exclusively on the FSAstore.com Learning Center. And for the latest info about your health and financial wellness, be sure to follow us on Facebook, Instagram and Twitter.
Flex-Ed: Is concierge medicine FSA-eligible?
Concierge medicine (also known as boutique practice) is becoming increasingly more popular. Basically, concierge medicine is a "highly attentive" way to get healthcare, in which patients pay extra fees in exchange for more personalized care and better access to their doctors. Doctors carry fewer patients, and are usually more available to speak with them. Not a bad setup if you're tired of quick appointments that only leave you with more questions.
Concierge physicians or boutique practices charge a fee for this additional level of service and accessibility. This fee ranges from a small monthly fee to annual fees in the thousands and is usually accompanied by regular fees for services received. In exchange for the annual fee, a concierge doctor is typically available 24-hours a day and office visits are often longer and more thorough.
So, if you're interested in concierge medicine (or at least learning more about it) you're probably wondering, "Can I use my FSA to pay for concierge medicine fees?" As you'll see below, it's not a "yes" or "no" answer.
Well...are concierge medicine services and fees FSA-eligible?
Short answer? Not usually and probably.
As the IRS indicates that only fees for medical services actually performed or received can be reimbursed, the fees paid to retain a concierge doctor where no services are actually received are not eligible. However, if the patient receives an actual service from the doctor, such as a medical visit, the fee for that service is reimbursable provided that the patient has sufficient documentation.
To further clarify the issue, here are a few examples that illustrate what we're saying:
Example 1: Anne pays concierge Dr. Smith $2,500 annually as a retainer for his promised care as needed. Anne has a fairly healthy year, does not visit Dr. Smith, and submits the $2,500 fee to be reimbursed from her FSA. The $2,500 is not eligible, as Anne did not receive any medical services throughout the year.
Example 2: The following year, Anne pays Dr. Smith $2,500 as a retainer for his promised care as needed, but this year, Anne visits Dr. Smith 10 times to receive medical care. Each visit is attributed to the $2,500 retainer fee, in the amount of $250 per medical visit. Provided that Anne has sufficient documentation to show that $2,500 worth of medical services was actually received, her FSA may be used to reimburse these expenses.
Example 3: Anne changes doctors and starts using concierge Dr. Nathan, who charges $1,000 per year plus an additional fee of $100 per office visit. Anne visits Dr. Nathan three times throughout the year for medical care. Anne may be reimbursed with sufficient documentation for the 3 medical visits, or $300. The $1,000 annual fee isn't eligible.
So, no, paying a concierge doctor a retaining fee doesn't offer much in the way of FSA eligibility, but if you need the doctor for medical services throughout the year, it certainly can. And in a world where doctors are increasingly busy, more time with a dedicated physician is still a really attractive option for those willing and able to spend for it.
New to FSAs? Need a refresher course in all things flex spending? Our weekly Flex-Ed column gives you a weekly dose of FSA Living 101, offering tips for making the most of your tax-free funds. Look for it every Thursday, exclusively on the FSAstore.com Learning Center.
