HSA vs. FSA Cutoff Dates: When Your Skincare Benefits Expire (and When They Don’t)

HSA vs. FSA Cutoff Dates: When Your Skincare Benefits Expire (and When They Don’t)

How to Use Your HSA/FSA Funds on Dermavenue (Step-by-Step Guide)

If you have money sitting in an HSA (Health Savings Account) or FSA (Flexible Spending Account), you may be able to put it toward something you actually use every day: medical-grade skincare. Dermavenue has partnered with Flex, a secure HSA/FSA payment solution, so qualified customers can purchase eligible products using pre-tax dollars—directly at checkout. That means you can shop for dermatologist-recommended essentials and, when products qualify, pay with your HSA/FSA debit card instead of paying out-of-pocket and going through a reimbursement process later. Here’s exactly how it works, and how to use it step-by-step.

What is Flex (and Why Dermavenue Uses It)?

Flex is a payment method that helps customers use their HSA/FSA funds correctly and compliantly. When you shop on Dermavenue, Flex assists with verifying product eligibility so that eligible items can be paid for using HSA/FSA dollars. This creates a smooth checkout experience and removes the guesswork of figuring out what qualifies.

Step 1 – Add Eligible Products to Your Cart: Begin by shopping Dermavenue and adding products to your cart; many items such as sunscreen, acne treatments, and dermatologist-recommended skincare may qualify, and Dermavenue also offers a dedicated HSA/FSA shop to make browsing easier.

Step 2 – Select Flex at Checkout: When you’re ready to purchase, choose Flex as your payment method at checkout to indicate that you’d like to use HSA/FSA funds.

Step 3 – Confirm Product Eligibility: Flex will prompt you to confirm which items in your cart qualify for HSA/FSA payment, ensuring compliance since not all skincare products are eligible under HSA/FSA guidelines.

Step 4 – Enter Your HSA/FSA Payment Details: Once eligibility is confirmed, enter your HSA or FSA card information to complete payment for qualifying items. How Mixed Carts Are Handled: If your cart includes both eligible and non-eligible products, Flex seamlessly supports split payments—allowing qualifying items to be paid with HSA/FSA funds while the remaining items can be covered with a standard credit or debit card in a single checkout. Why Use HSA/FSA Funds for Skincare: Using HSA/FSA dollars on eligible skincare allows you to invest in dermatologist-approved products that support skin health while taking advantage of pre-tax savings, potentially lowering your overall out-of-pocket cost.

Final Takeaway: Dermavenue makes it easy to use HSA/FSA funds through Flex with a streamlined, step-by-step checkout experience, giving customers a convenient way to shop eligible medical-grade skincare while maximizing their health benefits without added paperwork or confusion.

Usually has an annual cutoff.
Most FSAs are “use-it-or-lose-it” and reset at the end of your plan year — commonly December 31, but it can vary by employer.

Many plans include one of these options (but not always):

  • Grace Period: You may have up to 2.5 extra months (often until March 15) to spend remaining funds

  • Carryover Option: You may be allowed to roll over a set amount into the next year (the exact amount is set by the IRS and can change)

Important: Your employer chooses whether your plan offers a grace period or carryover (some offer neither).

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