Healthcare costs add up fast, especially for families. The good news is that Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) are designed to help you pay for eligible health and wellness products with pre-tax dollars.
If you’ve been wondering whether KawaKids products qualify, here’s the simple answer:
Yes — our current OTC products are 100% FSA/HSA eligible without a medical letter.
And for future non-OTC items, we’ll guide you through a quick medical-letter process so you can still use your benefits.
Let’s walk through what’s eligible, why it matters, and how to submit a medical letter if needed.
First, What’s the Difference Between FSA and HSA?
Both accounts let you spend pre-tax money on qualified healthcare expenses.
FSA (Flexible Spending Account)
- Employer-sponsored
- Usually “use it or lose it” within the plan year
- Great for predictable yearly expenses
HSA (Health Savings Account)
- Available if you’re on a High Deductible Health Plan (HDHP)
- Your money rolls over year to year
- Can be saved or invested long-term
No matter which one you have, the key is: if the product is eligible, you can pay with tax-free dollars.
KawaKids Products That Are FSA/HSA Eligible (No Medical Letter Needed)
Because our current lineup is over-the-counter (OTC), they qualify automatically under FSA/HSA rules.
You can use your account for:
- KawaKids KawaSun – Sunscreen Stick SPF 50 (80 mins Water Resistance): A mess-free, kid-friendly stick sunscreen for everyday outdoor play.
- KawaKids KawaSun – Sunscreen Lotion SPF 50 (80 mins Water Resistance): Perfect for full-body coverage and family beach days.
- KawaKids KawaCream – Daily Moisturizer: A gentle daily moisturizer designed to support sensitive, dry, or easily-irritated skin.
No prescription. No doctor note. No extra paperwork.
Just check out normally with your FSA/HSA card.
Why OTC Eligibility Matters for Families? OTC eligibility is a big deal because it removes friction:
- You don’t need a doctor visit
- You don’t need a “letter of medical necessity”
- You can purchase right away for real needs (sun protection, hydration, skin comfort)
That means families can protect kids’ skin and health while saving money, especially if you’re already budgeting FSA/HSA funds each year.
What About Non-OTC Items? (Medical Letter Process)
Some health-support products are not considered OTC under FSA/HSA rules.
For those items, a medical letter is usually required.
Here’s what we’re doing to make that easy:
1. We’ll provide a custom medical letter template
You won’t have to figure it out on your own.
We’ll offer a ready-to-use form for non-OTC products.
2. Your doctor fills it out and signs
A provider can verify the product is for a chronic or medical condition, such as:
- eczema
- chronic dry skin
- skin barrier issues
- dermatologist-recommended protection
3. You submit the signed letter for reimbursement
Once approved, the item becomes eligible for FSA/HSA coverage. We’ll include the exact instructions and template link once it’s live.
Examples of How a Product Can Qualify With a Medical Letter
To make this concrete, here are real-world examples of when a doctor might approve eligibility:
- Eczema flare-up support:
A moisturizer or skin treatment used to manage clinically diagnosed eczema. - Chronic dermatitis or skin sensitivity:
Products recommended to prevent recurring inflammation or cracking. - Medical sun-protection needs:
Higher-coverage sunscreen used for a child with heightened sun sensitivity risk.
These examples don’t replace medical advice, but they show how eligibility is usually determined:
chronic condition + doctor verification = reimbursable.
How to Pay With Your FSA/HSA Today
Using your benefits for KawaKids is simple:
- Add eligible KawaKids OTC products to cart
- Check out using your FSA/HSA card
- Save your receipt for your records
If your provider asks for proof later, receipts are typically enough for OTC items.
Final Takeaway
KawaKids products are made to support real family health needs — and we want them to be financially accessible too.
Right now: All current KawaKids OTC products are fully FSA/HSA eligible without a medical letter: