What Makes Our Sunscreens Different

  • FSA-eligible under IRS Section 213(d)
  • FDA labeler-approved and listed
  • G.R.A.S.E.-only active ingredients
  • 100% non-nano zinc oxide
  • No chemical UV filters
  • Free of all 13 sunscreen ingredients currently under FDA scrutiny

Sun Protection That’s Covered — In Every Sense

This is sun care you can trust:

Skin-safe. Reef-safe. Clinically compliant. Benefit-qualified.

  • About Covered by FSA

    Not all sunscreens are created equal — or eligible.

    CoveredByFSA.com was created to offer premium sun protection that meets the highest clinical standards — and qualifies for FSA reimbursement.

    Our sunscreens were developed with the expertise of a renowned physician and suncare innovator known for pioneering mineral-based SPF and photodamage-focused formulations.

    Designed specifically for aesthetician Mandy Lile, these sunscreens reflect a dual standard: one rooted in medical science, and the other in real-world skincare expertise.

  • Shaded or Covered - Either Way You're Protected!

    Shop Our FSA Covered Sunscreen 

Looking for More Than SPF?

If you’re interested in plant-based products that speak to
the skin the same way our SPF does, we may have more to share. Inquire below.