No, all Cetaphil products are not universally eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA). Some Cetaphil Products, such as those to treat specific medical conditions like Eczema, psoriasis, or dry skin are considered eligible expenses.
What Cetaphil Products Are FSA/HSA Eligible?
Only Cetaphil products that are marketed and used to treat specific medical conditions are considered FSA/HSA-eligible. These include:
Therapeutic Skin Treatments: Products like Cetaphil Restoraderm or Cetaphil Eczema Soothing Moisturizer, which are explicitly formulated to address conditions like eczema, psoriasis, or dry skin related to a medical diagnosis.
Medicated Cleansers: Cleansers that alleviate symptoms related to skin conditions, such as excessive dryness or irritation caused by medical treatments.
Sunscreen with SPF 15+ and Broad Spectrum: Certain Cetaphil sunscreens that meet FDA standards for skin cancer prevention and are not primarily marketed as cosmetic products.
What Cetaphil Products Are Not Eligible?
General-purpose Cetaphil products, such as facial cleansers, basic moisturizers, or lotions marketed for cosmetic or routine skincare, are not eligible for FSA/HSA reimbursement. These are considered dual-purpose or personal care items unless prescribed by a healthcare provider with a Letter of Medical Necessity (LMN).
How to Ensure Eligibility for Reimbursement
Consult Your Provider: If you’re using Cetaphil products to manage a diagnosed skin condition, ask your healthcare provider for an LMN detailing the necessity of the product.
Confirm with Your FSA/HSA Provider: Submit the LMN to your plan administrator and confirm that the product qualifies for reimbursement under your specific plan.
Keep Documentation: Retain receipts and documentation, including the LMN, in case you need to substantiate the medical necessity of your purchase.
By focusing on products that directly address medical conditions and following proper documentation procedures, you can maximize your FSA/HSA benefits when purchasing eligible Cetaphil products.
