An out-of-pocket expense maximum, or cap, is the amount that you have to meet in order for the insurance company to pay 100 percent of your policy's benefits.
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Wash your hands afterward so the tanning cream doesn't get stuck between your fingers and turn the skin unnaturally dark. If you want a self-tanner and SPF in one product, try L'Oreal Sublime Bronze Self-Tanning Lotion SPF 20 ($9.99). But be sure to apply a lotion with an SPF of at least 30 before heading outdoors. The opinions expressed in this section are of the experts and are not the opinions of WebMD.