Don't Let Your FSA Funds Go to Waste: Invest in Total Body Photography
If you’re one of the millions of Americans with a Flexible Spending Account (FSA), you probably know the urgency of the year-end or grace period* deadline. Every year, many people leave hard-earned money on the table simply because they don’t use their funds in time. But did you know you can use those FSA dollars to invest in your long-term health? One excellent option is total body photography.
What is Total Body Photography?
Total body photography is a medical imaging service that involves capturing high-resolution photographs of your skin, head to toe. This tool is particularly beneficial for those at risk of skin cancer or anyone with a history of atypical moles, sun damage, or melanoma. It creates a visual baseline, making it easier for dermatologists to monitor changes in your skin over time and catch potential issues early.
Why Total Body Photography is a Smart Use of FSA Funds
Early Detection Saves Lives Skin cancer is one of the most common cancers in the United States, but it’s also highly treatable when caught early. Total body photography can help track changes in moles, spots, or lesions that might otherwise go unnoticed. This proactive step can be a lifesaver.
Covered by Your FSA Many people don’t realize that FSA funds can be used for preventive health measures like total body photography. By scheduling an appointment during the grace period, you’re maximizing the value of your account and taking a proactive step toward your health.
Peace of Mind Knowing you have a detailed, baseline record of your skin gives you and your healthcare provider peace of mind. Whether you’re already under dermatological care or want to establish a precautionary routine, total body photography is an excellent preventative measure.
Other FSA-Eligible Expenses to Consider
If total body photography isn’t for you, there are still plenty of other ways to use your FSA funds before the grace period ends. Here are some ideas:
Sunscreen (Broad-Spectrum, SPF 15 or Higher)
High-quality sunscreen is essential for protecting your skin from harmful UV rays. Look for options labeled "broad-spectrum" to guard against both UVA and UVB rays. Some FSA-eligible sunscreens also come in specialized formulas for sensitive skin or sports activities.
Sun-Protective Clothing
FSA funds can often be used for certain types of protective clothing, like UPF-rated hats, shirts, and swimwear, which block UV rays and reduce exposure.Sunglasses with UV Protection
Protecting your eyes and the delicate skin around them is just as important. Many prescription sunglasses with UV protection are FSA-eligible.Skin Cancer Screening Co-Pays
If you are scheduling a dermatologist visit for a skin cancer screening, your FSA can typically be used to cover co-pays or out-of-pocket expenses.Aloe Vera Gel
Aloe vera products can soothe your skin after sun exposure and help reduce inflammation. Make sure the product qualifies under your FSA plan.Lip Balm with SPF
Protect your lips from sun damage with FSA-eligible lip balms containing SPF.Moisturizers with SPF
Many day creams and moisturizers now include SPF, combining skin hydration with sun protection.Mineral-Based Sunscreen for Sensitive Skin
Individuals with sensitive skin or conditions like eczema can benefit from FSA-approved mineral sunscreens, which use zinc oxide or titanium dioxide for protection.
How to Get Started
Check Your FSA Balance Log in to your FSA portal or check your account statement to see how much money you have left.
Verify Eligible Items and Services: Always check with your FSA provider for a list of eligible items and services.
Schedule an Appointment Be sure to book your appointment before your FSA deadline to ensure the funds are applied.
Keep receipts: Keep receipts for all FSA purchases to ensure compliance in case of an audit.
Don’t Wait — Use It Before You Lose It
The FSA grace period* is the perfect time to invest in services that prioritize your health and well-being. Total body photography is not only an effective preventive measure but also a wise use of your remaining FSA funds. By taking this step, you’ll experience peace of mind knowing that you have a baseline of your skin to monitor changes over time.
Don’t let your FSA dollars expire. Schedule your total body photography session today.
*The grace period is 2.5 months after the plan year deadline, which for most FSAs is Dec. 31. That means employees can incur expenses against 2024 funds until Mar. 15, 2025. If, for example, your plan year ends on Mar. 31, the grace period deadline will be Jun. 15.