Is CeraVe AM Facial Moisturizing Lotion SPF 30 HSA or FSA Eligible?

When the primary purpose of a product is sun protection (SPF 15+ broad-spectrum), it qualifies under IRS Publication 502 even if it also functions as a moisturizer. CeraVe AM SPF 30 is accepted by FSA Store and major administrators.

The full list of qualified medical expenses is defined in IRS Publication 502, updated annually. The CARES Act of 2020 expanded eligibility to include all OTC medicines and menstrual care products.

1. Purchase CeraVe AM Facial Moisturizing Lotion SPF 30 directly with your HSA or FSA debit card — no pre-approval needed.
2. Alternatively, pay out of pocket and submit the receipt for reimbursement through your plan's portal or app.
3. Keep your receipt. If your card is declined (auto-substantiation failure), you can manually submit the receipt.
4. Save receipts for 7 years in case of an IRS audit.