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.
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.
Most providers will let you use your FSA or HSA accounts to buy blue light blocking 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 blocking glasses are covered by your plan.
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.
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.
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!
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.