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What Type of Glasses Can I Buy with HSA and FSA?

Any eyewear product that corrects your vision is classified as a medical product and is thus available for purchase with an FSA or HSA account.You can’t use your flexible spending account or health savings account to buy eyewear with no prescription.Routine eye examinations or more serious eye surgeries can also be covered by your FSA or HSA, but your insurance premiums can’t be covered.

Eligible for Purchase with FSA and HSA

  • Prescription eyeglasses
  • Prescription sunglasses
  • Contact lenses
  • Eye examinations and eye surgery
  • Reading glasses (both prescribed by an optometrist and not).
  • Eyeglass repair kit

Not Eligible for Purchase with FSA and HSA

  • Non-prescription eyeglasses
  • Non-prescription sunglasses
  • Insurance premiums
  • Non-prescription colored contact lenses

Use your FSA/HSA for Glasses


Can I Use My FSA or HSA for Reading Glasses?

Since reading glasses help you out with vision correction, you can use your FSA or HSA contributions to buy them. It doesn’t matter if you are prescribed reading glasses by your optometrist or if you decide to buy them independently. Both are available to buy with your account.

Are Blue Light Glasses Covered by FSA or HSA?

Most providers will let you use your FSA or HSA accounts to buy blue light filtering glasses with Eyebuydirect. This type of eyewear filters out blue light that can negatively affect sleep. Some studies show that this type of light can also cause permanent eye damage. Remember to check with your provider to find out whether blue light filtering glasses are covered by your plan.

Are Sunglasses Covered by FSA or HSA?

Sunglasses are only covered by health savings accounts or flexible spending accounts if they have a prescription. Non-prescription sunglasses, even if they provide protection from sunlight, are not available for purchase with these types of plans.

Are Contact Lenses Covered by FSA or HSA?

Since they correct your vision, contact lenses can usually be paid for with funds from an FSA or HSA account. Cosmetic contact lenses that change the color of your eyes can’t be paid for with FSA or HSA funds because they don’t correct your vision.

Can I Get an Optometrist Appointment with My FSA or HSA?

You can use your health savings or flexible spending account for both eye exams and eye surgery — including laser eye surgery. Using your funds for your scheduled eye exam is a great idea!

How Do I Redeem My FSA or HSA Dollars at Eyebuydirect?

If you have an FSA or HSA debit card you can simply use it to buy any eligible product at Eyebuydirect. If you don’t have a debit card all you need to do is print off the receipt of your order and submit it to your provider along with any other documents required. Don’t forget that non-prescription eyewear isn’t covered by FSA or HSA plans.