Don’t Pay Out of Pocket Just Yet: What’s Actually Covered for Skin & Hair Care

Let’s get something out of the way: looking good isn’t just about vanity. Clear skin and healthy hair aren’t “nice to have” perks—they’re often tied to real medical issues that impact how you feel, function, and even sleep. So why do so many of us hesitate before getting help?

Simple. Most people assume anything related to appearance must be cosmetic and, therefore, not covered.

But here’s the thing: your Flexible Spending Account (FSA) or Health Savings Account (HSA) may cover more than you think. Before you throw your money at the latest serum or out-of-pocket dermatologist visit, it’s worth knowing what counts as a reimbursable medical expense… and how to prove it.

“Wait—Skin Care Is Covered?”

Sometimes, yes. Not all moisturizers and face masks qualify, but if you’ve got a legitimate medical need? That’s a different story.

Here’s what often qualifies:

• Prescription creams and ointments for things like eczema, acne, or rosacea.

• Medicated shampoos that treat scalp psoriasis or severe dandruff.

• Laser treatments aimed at chronic skin conditions when prescribed.

• Dermatologist office visits to diagnose or manage a condition.

• Scalp treatments or injections for medical hair loss such as alopecia.

The key is that it must be medical. That $90 jade roller isn’t going to cut it, but a steroid cream for seborrheic dermatitis? Absolutely.

If your provider says you need it and documents it, your FSA or HSA is often ready to help.

When “Looking Better” Is Part of “Getting Better”

Let’s not pretend people don’t feel the difference. Skin issues aren’t just skin deep. Acne can be painful. Eczema might crack and bleed. Scalp conditions can itch all night and ruin your sleep. And hair loss—especially when it strikes early—can take a real emotional toll.

It’s not only about the mirror. It’s about confidence, comfort, and staying sane during a work presentation when your skin decides to flare up again for no apparent reason.

That’s where these accounts become more than just financial tools. They become a way to reclaim control and say, “Yes, this matters, and I’m allowed to treat it.”

But How Do You Prove It’s Medically Necessary?

Good question. And yes, it’s a bit of a hoop to jump through, but once you know the process, it’s not so bad.

Here’s what you’ll need:

1. A proper diagnosis
   Whether it’s acne, dermatitis, or something less obvious, your provider needs to document it in your records.

2. A Letter of Medical Necessity (LMN)
   This is your golden ticket. It’s a short note from your doctor confirming that the treatment is medically required. (Most FSA/HSA administrators even have a template you can bring to your appointment.)

3. Detailed receipts
   Keep them clear and labeled. A receipt that says “Acne treatment per Dr. Lopez – 6/12/25” is going to be much more convincing than “Amazon skincare purchase.”

4. Submit through your benefits platform
   And this is where TouchCare can make life easier. Send everything our way, and we’ll help ensure it’s all set before you submit for reimbursement.

Some plans might require pre-approval, so a quick check-in with your FSA/HSA provider—or TouchCare—can save you from paperwork headaches down the line.

Not All That Glitters Is Covered

Let’s have a reality check. There are limits to what these accounts will cover.

Your FSA/HSA probably won’t cover:

• Botox for cosmetic purposes (though it might if prescribed for migraines)

• Hair transplants

• Over-the-counter cosmetic products that lack a diagnosis

• Spa facials or beauty treatments, even if they “claim” to treat something medical

A simple rule of thumb: if the primary reason is appearance, it’s a no. If it’s a diagnosed medical condition, you’ve got a good shot.

“So Should I Ask My Doctor About My Dandruff?”

Honestly? Yes.

You don’t have to suffer through flaky shoulders and an itchy scalp just because drugstore shampoos aren’t working. A dermatologist can prescribe something stronger, like a medicated shampoo or topical treatment. And if it’s medically necessary, it may be reimbursable.

The same logic applies to stubborn acne, recurring skin infections, or even razor burn that keeps getting infected.

If it affects your quality of life, speak up. You might be surprised how often these issues are eligible for coverage.

A Little Paperwork for a Lot of Relief

We get it—no one loves dealing with forms and receipts. But snagging that reimbursement? Totally worth the five minutes it takes to file the paperwork.

And if you’re a TouchCare member, we’ll handle the tricky parts. We’ll reach out to your plan, clarify confusing codes, follow up with your doctor, and make sure your submission is airtight.

Why? Because care shouldn’t stop at “What’s the problem?” It should always include, “How do we make this better for you?”

TL;DR (But Not Really)

• Your FSA or HSA might cover skin and hair care, as long as it’s for a medical condition.

• Get a diagnosis and ask for a Letter of Medical Necessity.

• Keep receipts organized and labeled.

• Don’t assume it’s not covered—ask.

• TouchCare is here to help you navigate the process from start to finish.

So before you reach for your credit card, pause and ask yourself: Could this be covered? If you’re not sure, we’re here to help you figure it out.