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Summer may be over, but sunscreen is still in order

Although the cooler temperatures of fall and winter mean you won’t be lying out in the sun or catching rays at barbecues and baseball games, there’s still plenty of opportunity to get sun damage. If you like to practice winter sports and are going to be spending a great deal of time outdoors, winter hats with UV protection for your face and head are helpful (or try a Buff Headwear multi-functional wraps) as well as a sunscreen with a minimum of 15 percent SPF. Miracle Skin Transformer SPF20 Face offers an all-in-one option for everyday use to hydrate and balance your skin’s color while providing sufficient protection from the winter elements. It comes in seven different shades to help you achieve your ideal match.

Broad Spectrum Protection
The sun has two types of rays which can cause sunburn: UVA and UVB. The UVA rays are also associated with causing melanoma and premature aging of the skin. When a sunscreen is labeled “broad spectrum” it offers equal protection from both types.

Deciding on SPF
There is no such thing as a 100 percent protection from sunscreen. SPF 15 blocks 93 percent of UVB rays, SPF 30 provides 97 percent and SPF 50 will protect to 98 percent. The FDA no longer allows the sale of items with an SPF exceeding 50, and products offering less than an SPF 15 must be packaged with a warning label: “This product has been shown only to help prevent sunburn, not skin cancer or early skin aging.”

Water Resistance
Under new FDA labeling regulations, water-resistant formulas must indicate a specific time frame for reapplication. For example, water resistance is effective for 40 minutes of swimming or up to 80 minutes of perspiration.

Savings on SPF
Did you know that sunscreen products are eligible for coverage under Flexible Spending Account (FSA) programs that allow employees to earmark a part of their pre-tax wages for an account to pay for approved healthcare costs? has a web store with FSA eligible products, including sunscreen products from brands including Banana Boat, Blue Lizard, Coppertone, Hawaiian Tropic, Neutrogena, La Roche-Posay, L’Oreal Sublime Sun and Ocean Potion. You can accumulate dollars equivalent to 5 percent of your sunscreen order to use on future purchase. There’s also free shipping provided on orders over $25. Check out the FSA store. You can use your FSA card at checkout or print a receipt to submit a claim for reimbursement, depending on how your employer’s particular program works.

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Lauren Stewart
By: Lauren Stewart

Lauren Stewart is a freelancer writer from Michigan. She enjoys writing about beauty, health and fitness! She is passionate about learning new ways to take control of her health and wellness and is a makeup and skincare junkie! You can contact her by emailing