FSA & HSA for Glasses, Contacts, & Eye Exams

Learn how to put your FSA or HSA towards glasses, contacts and eye exams.

Make the most out of your flexible spending account (FSA) or health savings account (HSA) this year by using it to purchase prescription glasses, contact lenses and eye exams at your local Heartland Vision. Don’t let those funds go to waste!

What is FSA/HSA?

What Can I Buy?

FSA/HSA FAQ’s

What is FSA/HSA?

Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) are specialized accounts for healthcare expenses that are funded with pre-tax dollars. These programs are commonly offered by employers, usually in conjunction with a standard health plan.

HSA: Funds roll over

Contributions made to a health savings account roll over automatically from one year to the next.

FSA: Funds DO NOT roll over

Flexible spending account funds come with an expiration date, typically at the end of the calendar year. Once the expiration date is reached, the funds in your FSA will no longer be available.

What can I use FSA and HSA funds on?

Funds in an FSA or HSA can be used to pay for eligible medical expenses. This includes vision care. At Heartland Vision, you can use your FSA and HSA money to pay for out-of-pocket expenses and copays related to the following:

FSA and HSA funds can be used to pay for eye exams at any Heartland Vision location. Book Eye Exam

FSA and HSA funds can be used to pay for any out-of-pocket or copay costs associated with your vision prescriptions and eyeglasses, like designer frames, lens coatings, and materials.

Prescription sunglasses are an eligible medical expense for HSA and FSA fund use. Non-prescription sunglasses are not.

Both FSA and HSA funds can be used toward prescription contact lenses. This tends to be exclusive to vision-correction contact lenses and not cosmetic contact lenses.

Also eligible are certain eyewear accessories: glasses and contact lens cases, cleaning products, and repair kits.

Don’t have an HSA or FSA?

No worries! At Heartland Vision, we do complimentary insurance checks. And if you have any questions, feel free to call or send a message. See if you’re covered!

Most providers will let you use your FSA or HSA funds to pay for blue light glasses. Blue light lenses filter out blue light produced by phones, TVs and computer monitors which have been proven to negatively affect sleep and cause eye strain. Therefore, blue light lenses have proven medical benefits and applications.

There is no limit! As long as you have enough money in your FSA to purchase a pair of glasses, you can.

FSA funds can only be used for yourself and qualifying dependents. Eligible dependents include your spouse, your children (under 26 years old) and other dependents claimed on your tax return.

You cannot use FSA funds towards cosmetic contact lenses. However, if the colored contact lenses have corrective properties to improve your vision, they will have been prescribed to you by a licensed doctor. Colored lenses with corrective properties are eligible for FSA fund use.

You can use your flexible spending account to purchase prescription sunglasses. However, non-prescription sunglasses are not an eligible item.

Eyeglass frames are an eligible item to be purchased with FSA and HSA funds.