Intro: Planning a beach trip? You might be surprised to learn that some of your beach essentials can be covered by your Flexible Spending Account (FSA) or Health Savings Account (HSA). Let’s dive into what items you can get reimbursed for to make your beach day even better.
Understanding FSA and HSA Before we jump into the list, it’s important to understand what FSAs and HSAs are. Both are tax-advantaged accounts that allow you to set aside money for healthcare expenses. The key difference is that FSAs are typically offered through employers and have a “use it or lose it” policy, while HSAs are available to those with high-deductible health plans and funds can roll over year to year.
Beach Essentials Covered by FSA and HSA
1. Sunscreen
- Broad-Spectrum Protection: Sunscreen with SPF 15 or higher is considered a medical expense and is covered. Make sure it’s broad-spectrum to protect against both UVA and UVB rays.
- Reimbursement Tip: Keep your receipts and make sure the product is labeled with the SPF value.
2. First Aid Supplies
- Basic Kits: First aid kits, including bandages, antiseptic wipes, and gauze, are covered. These are essential for handling minor beach injuries.
- Specific Items: Items like aloe vera gel for sunburn relief and anti-itch creams for bug bites also qualify.
3. Prescription Sunglasses
- Eye Protection: Prescription sunglasses are eligible for reimbursement. Protecting your eyes from the sun is important for overall health.
- Note: Non-prescription sunglasses are not covered, so ensure you have a valid prescription.
4. Allergy Medications
- OTC Medications: Over-the-counter allergy medications, such as antihistamines, can be reimbursed. These are useful if you have allergies that flare up at the beach.
- Doctor’s Note: Some plans might require a doctor’s note, so check your plan details.
5. Lip Balm with SPF
- Sun Protection: Lip balms with SPF 15 or higher are covered. Lips can get sunburned too, so this is a handy item to have.
- Eligibility: Ensure the product specifies the SPF level on the packaging.
6. Motion Sickness Bands
- Prevent Nausea: If you plan to go boating or get motion sickness easily, motion sickness bands and medications are eligible for reimbursement.
- Approved Brands: Look for FDA-approved brands to ensure coverage.
7. Orthopedic Beach Chairs
- Comfort and Support: Orthopedic beach chairs designed to support your back can be covered if you have a medical need for them.
- Doctor’s Recommendation: A doctor’s note might be necessary to validate the medical need.
Conclusion Your FSA and HSA can do more than just cover medical bills—they can make your beach trips more enjoyable and worry-free. From sunscreen to first aid supplies, leveraging these accounts for your beach essentials is a smart way to stay protected and save money. Always check with your plan provider for specific coverage details and keep those receipts!
For more follow us on Instagram, Facebook, Twitter, & LinkedIn.
