![]() ![]() Yet, this can be tricky for people with skin concerns. ![]() The second step in choosing sunscreen involves skin types. Water resistance : No sunscreen is “waterproof” or “sweatproof.” Water-resistant means it should remain effective for at least 40 to 80 minutes when wet. Yet, no sunscreen can block out 100% of the sun’s UVB rays. Higher SPFs can provide slightly more protection. The AAD reports that using an SPF of 30 or higher will block 97% of UVB rays. SPF 30 or higher: The sun protection factor (SPF) measures the level of sunburn protection. However, they are blocked by window glass. UVB (aka burning rays) are the leading cause of sunburns. UVA (aka aging rays) cause premature skin aging, such as wrinkles and age spots. Overexposure to either one can damage the skin and lead to skin cancer. Sunlight consists of two types of harmful rays - ultraviolet A (UVA) and ultraviolet B (UVB). The first step is to choose a sunscreen that has the following three essential elements:īroad-spectrum: It protects against both UVA and UVB rays. So the American Academy of Dermatology Association (AAD) has broken the selection process into two steps. How do you pick the right type of sunscreen?Ĭhoosing the right sunscreen can seem overwhelming when you have a sea of options. Many brands have even created sunscreens that are baby-friendly. If you have extra FSA dollars left over at the end of the year, you can use funds to purchase qualified medical expenses for your spouse and qualified dependents, too. Give you the option to carry over a certain amount of unused FSA funds from one plan year to the next. If that’s the case, your employer may give you these options:Īllow up to 2.5 extra months as a “grace period.” This gives you extra time to use any FSA funds leftover after the end of the plan year. You’ll need to check with your company’s HR department to see if you’ll have additional time to use the money in your FSA. You should also be aware that you may lose any unused FSA funds at the end of the plan year. Only qualified medical expenses will receive the tax-free benefits of an FSA. You can purchase the extra items in a separate transaction. If you buy other items in the same transaction, some stores will divide your items into FSA and non-FSA categories. You can only receive reimbursement for sunscreen and other products that have not been covered by your health insurance plan. You can submit a claim to your FSA custodian for reimbursement when you pay out of pocket. If you don’t have a FSA debit card, you can purchase sunscreen at a store and hang on to your receipt for reimbursement. The amount you spend on sunscreen will be deducted from your account automatically. Some FSA account custodians provide you with a debit card after you enroll to make shopping easier. You can use your FSA debit card to shop in store or online. To buy sunscreen with your FSA, you have a couple of options: Then, you’ll have to contribute money to the account so that you can pay for FSA-eligible items like sunscreen tax-free. You will need to have a job that offers an FSA in order to qualify. How do you use your FSA for sunscreen?Īn FSA is an employer-sponsored benefit. ![]() The same goes for limited-purpose flexible spending accounts (LPFSAs). However, no sunscreen is reimbursable for dependent care flexible spending accounts (DSFSAs). Sunscreens with a sun protection factor (SPF) of 15 or higher meet this requirement. Typically, any FDA-approved drugs that meet the IRS guidelines for a qualified medical expense would make them FSA-eligible expenses. The FDA oversees sunscreen products in the U.S. The good news is that you may be able to use your flexible spending account (FSA) to offset some of the cost of buying sunscreen products. And the products can come in many forms, such as: Sunscreen prices can vary widely, from below $5 for a lip balm to over $76 for a face moisturizer. However, the correct amount of protection for you will depend on your specific skin type. The American Academy of Dermatology (AAD) suggests a SPF of at least 30. The FDA recommends using sunscreens with a SPF (sun protection factor) of 15 or higher to get better sun protection. It can lead to harmful conditions like sunburn, sun poisoning, and skin cancer.īroad-spectrum sunscreens help protect against UVB and UVA, which are two types of ultraviolet radiation that can damage the skin. Yet, too much sun exposure can put your skin at risk. Sunlight has many benefits - from boosting vitamin D levels to improving sleep quality - that can improve your health. ![]()
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