Retin-A is not meant to be used up into the orbital rim as an eye cream and could yes, be very harsh if applied to that thin-skinned area. There isn't a topical Vitamin C that would be covered under any insurance plan as it's used for cosmetic purposes only. SkinCeuticals makes great Vitamin C products that are very well tolerated, safe, and affordable. Many of their products last 4-6 months for each bottle, so overall it ends up costing less than a prescription product.
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treatment with a trained medical professional for appropriate care."