Are Sephora Products Eligible for Insurance Coverage?

Indeed, the title isn't misleading. Sephora does allow a selection of products to be funded by FSA (Flexible Spending Accounts) and HSA (Health Savings Accounts), both online and instore. A TikTok user named Dianis3518 revealed that there is an entire section on the Sephora webpage dedicated to providing this information.

Sephora confirms that products such as sunscreens with a minimum SPF 15, acne treatments and prevention, medicated skincare treatments, blue light therapy masks, and prenatal vitamins are FSA and HSA eligible. A distinctive badge is added on the highlight area of product pages that fall under this eligibility criteria. However, there might be additional products that could be reimbursed through FSA and HSA, although they would necessitate a letter of medical necessity from a healthcare provider.

If you're unaware, FSA and HSA are health benefits some companies in the U.S offer their employees. These benefits permit employees to keep pretax earnings from their paychecks in an account for use towards eligible health-related costs.

The most expensive eligible product is the Shani Darden Skin Care Déesse PRO LED Light Mask, retailing at $1,900. Other skincare favorites such as Kosas DreamBeam Silicone-Free Mineral Sunscreen SPF 40 ($40), Nécessaire The Body Acne Wash ($28), Dr. Jart+, Ceramidin Skin Barrier Moisturizing Cream ($48), Sunday Riley U.F.O. Salicylic Acid BHA Acne Treatment Face Oil ($80), among others, are also available.

Be certain to keep your receipts for reimbursements when shopping. FSA funds do not roll over and must be used before the plan year ends, so it might be a good idea to spend the remaining balance on eligible skincare products. However, HSA funds roll over to the next year. Always make sure to fully comprehend your benefits structure and consult with your provider before spending.