Sunscreen Covered by OTC Benefits
Sun protection is essential for seniors. Your OTC benefit covers:
- SPF 30+ lotion: Neutrogena, Coppertone, Banana Boat — $8–$14
- SPF 50+ face sunscreen: EltaMD, CeraVe, La Roche-Posay — $10–$18
- Spray sunscreen: Easy application for hard-to-reach areas — $8–$12
- Lip balm with SPF: ChapStick SPF, Aquaphor Lip — $3–$5
- Sun protective clothing: Some plans cover UPF hats and sleeves
Why Seniors Need Extra Sun Protection
Skin cancer risk increases with age. Medications like blood thinners and diuretics can increase sun sensitivity. Apply SPF 30+ every day, even in winter.