Vision care can get expensive, and many people wonder if their Health Savings Account (HSA) or Flexible Spending Account (FSA) can help cover the cost of glasses. The short answer is yes, but there are details worth knowing so you can make the most of your benefits.
What Is an HSA and How Does It Work?
An HSA (Health Savings Account) is a tax-advantaged savings account available to individuals with a high-deductible health plan. Money contributed to an HSA can be used for qualified medical expenses, including eye care. Because it is your account, unused funds roll over from year to year.
What Is an FSA and How Does It Work?
An FSA (Flexible Spending Account) is also tax-advantaged, but it’s owned by your employer. While you can use FSA funds for medical expenses like glasses, there is usually a “use it or lose it” rule—meaning you need to spend the money within the plan year (or a short grace period) or risk losing it.
Can I Use My HSA for Glasses?
Yes. If you’re asking “can I use HSA for glasses?”, the answer is straightforward: prescription glasses are considered a qualified medical expense. You can use your HSA card at optical stores, vision centers, or online retailers that sell prescription eyewear.
Can I Use My HSA for Prescription Glasses?
Absolutely. Prescription glasses are fully HSA-eligible, whether they are single-vision, bifocals, or progressive lenses. Even prescription sunglasses are covered. Non-prescription fashion glasses, however, are not eligible.
Are Glasses Covered by FSA?
Yes. Just like with an HSA, prescription glasses are FSA-eligible. If you have funds left in your FSA account before the end of the year, buying new glasses is a smart way to use them before they expire.
Other Vision Products Covered by HSA and FSA
Beyond regular eyeglasses, your FSA or HSA may also cover:
- Prescription sunglasses
- Blue light blocking glasses with a prescription
- Reading glasses
- Contact lenses and lens solution
- Eye exams
How to Pay for Glasses With HSA or FSA Funds
Most optical providers and online eyewear retailers accept HSA or FSA debit cards directly. If you pay out of pocket, you can also submit the receipt for reimbursement. Always keep records, in case you need to prove the expense was eligible.
Why Use Your Benefits for Glasses Now
Vision needs change over time, and updated lenses can significantly improve your daily life. If you have funds available in your HSA or FSA, don’t let them go unused. Glasses are not just a necessity—they’re also an investment in your comfort and long-term eye health.
Get the Best Vision Care at Visology
At Visology, we combine advanced facial scanning technology with expert eye care to ensure your glasses fit perfectly and match your vision needs. Whether you’re using your HSA or FSA for glasses, our clinics make the process seamless so you can focus on seeing clearly.
Visit us today at one of our convenient locations:
Medford Vision Center
Stop & Shop – 760 Fellsway, Medford, MA 02155
Mon–Fri: 9am–7pm | Sat: 9am–5pm
Dedham Vision Center
Stop & Shop – 160 Providence Hwy, Dedham, MA 02026
Mon–Fri: 9am–7pm | Sat: 9am–5pm
Your benefits are waiting to be used—make the most of them with Visology.
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