Can I buy face lotion with FSA?

Asked by: Deangelo Bins  |  Last update: September 30, 2025
Score: 4.4/5 (19 votes)

Sunscreens that are SPF 15 and above and provide broad spectrum protection are FSA eligible — including lotions, sprays, powders, and baby sunscreen products.

Can you buy toiletries with a FSA card?

Items and expenses that aren't FSA-eligible

Here are examples of items and expenses that are not FSA-eligible for 2024: General health items: toiletries like toothpaste, toilet paper, or shampoo, cosmetic products, vitamins and supplements (without a prescription)

Does lotion count as FSA?

FSA/HSA eligibility extends to a variety of products including facial cleansers, sunscreen, prescription acne medications, over-the-counter acne treatments and medicated body lotions that are designed to alleviate certain skin conditions.

Can you buy deodorant with FSA?

For example, daily care products, like Vaseline, toothpaste, and deodorant, are not FSA-eligible expenses. Gym memberships and health insurance premiums aren't eligible either. It's possible that you may accidentally purchase a nonqualifying expense with your FSA funds.

Can I use my FSA for cosmetic?

Cosmetic procedures are typically ineligible for FSA unless they are linked to a congenital issue or address some other medical concern. If you are unsure if the procedure that interests you could be included you may want to consult your HR department.

The Ultimate Guide to #HSA/FSA beauty hack at Sephora

19 related questions found

Is face lotion covered by FSA?

Basic skincare supplies

Cleansers, face creams, moisturizers, toners, makeup removers, serums, and eye creams are not FSA eligible. Face rollers, skin care masks, and facial brushes also do not qualify.

Can you buy shampoo with FSA?

While some exceptions may vary, shampoo is generally 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).

Can you buy chapstick with FSA?

Lip balm is typically FSA eligible if it contains a certain SPF, but plans can vary. It's important to confirm the specific requirements with your FSA provider.

What happens if I use my FSA incorrectly?

If the Benefits Card is accidentally or intentionally utilized for ineligible expenses, you are responsible for reimbursing your account. You will be notified if you have an ineligible expense and your Benefits Card may be deactivated until your account is reimbursed.

Can FSA pay for sunscreen?

Which sunscreens are eligible? Sunscreen for adults and for kids is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA) under certain conditions. Only sunscreens with SPF 15+ and "broad spectrum" protection are eligible.

Can I buy teeth whitening with my FSA?

Because it's considered cosmetic in nature, teeth whitening will not be reimbursed with your FSA.

Are massages covered by FSA?

Pay with Your FSA or HSA: Once you have the prescription, you can pay for your massage therapy directly with your FSA or HSA debit card. If your provider doesn't accept these cards, you can pay out of pocket and submit a claim for reimbursement.

How do I spend my FSA money last minute?

Last-Minute Ideas for Spending your FSA Funds
  1. Review if your FSA has a carryover or grace period. ...
  2. Review your medicine cabinet. ...
  3. Schedule a dental cleaning, eye doctor appointment or physical. ...
  4. Schedule a chiropractor or acupuncture visit. ...
  5. Plan ahead for upcoming vacations. ...
  6. Check your baby supplies.

Are gym memberships FSA eligible?

The Internal Revenue Service (IRS) usually doesn't allow funds from an FSA to pay for membership dues at health clubs or gyms. However, the IRS allows FSA funds to be used for paying separate fees charged at health clinics or physical therapy centers for specific activities prescribed by doctors for an individual.

Can I buy toothbrush with FSA?

Brush-Up on FSAs and HSAs

However, current law does not recognize certain oral healthcare products — such as manual toothbrushes, electric toothbrushes, water flossers, mouthwash, or OTC anti-cavity toothpaste — as “qualified medical expenses.”

Can I use my FSA for deodorant?

Deodorant reimbursement is not eligible 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).

Is mouthwash an FSA item?

Over-the-counter items (OTC) items are not eligible for reimbursement if they are normally used for general health or are used even when there is not a medical condition being treated (such as toothpaste, mouthwash, shampoo, lotion or moisturizer that also contains sunscreen) or are cosmetic in nature (teeth whitening ...

Is vaseline covered by FSA?

Items such as Vaseline petroleum jelly, toothpaste, and deodorants are generally considered ineligible for FSA reimbursement, as they are commonly used for routine personal care.

Can I use my FSA to buy a treadmill?

If you have a letter from a medical professional stating that exercise equipment is a medical necessity, your FSA can cover it.

Are sunglasses FSA eligible?

You can use FSA dollars on sunglasses, as long as they are prescription sunglasses. Some non-prescription sunglasses can be purchased with HSA or FSA dollars, but you will most likely need a prescription for the shades from your doctor.

Are vitamins FSA eligible?

With this IRS definition in mind, while daily multivitamins are not FSA/HSA eligible, there are some types of vitamins that are eligible with consumer-directed healthcare accounts.

Is Tylenol FSA eligible?

Can I buy OTC medicine such as Tylenol and Tums with my FSA or HSA? Yes. You can buy OTC medicine such as Tylenol and Tums with your FSA or HSA.

Does toilet paper count for FSA?

Toiletries used for everyday personal use aren't FSA and HSA eligible items. Items like shampoo, toothbrushes, toothpaste, cosmetics and toilet paper are considered personal hygiene products, not medical aids.

Is a mattress FSA eligible?

According to the HSA Store, "A mattress expense is only eligible when its components and construction costs exceed those of a standard mattress for general health." To use your funds for a new mattress, you'll need to provide a letter of medical necessity (LMN) from a medical professional stating you have a medical ...