Does FSA cover eye exams?

Asked by: Ramiro Volkman  |  Last update: October 23, 2023
Score: 4.2/5 (11 votes)

Health savings accounts (HSAs) and flexible spending accounts (FSAs) provide tax advantages that can help you pay for common vision and eye-care costs your insurance may not cover. Eligible vision expenses include eye exams, prescription glasses, and contact lenses.

What are qualified vision expenses for FSA?

Most FSA plans cover out-of-pocket expenses not eligible or covered by healthcare insurance. This includes eye exams, vision supplies, office visit copays and wearable vision products for both you and your family.

Does FSA cover optometrist?

Optometrist: FSA Eligibility

An optometrist's services are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA) or a limited-purpose flexible spending account (LPFSA.

Does FSA work for glasses?

Both FSA and HSA pre-tax health accounts can be used to pay for prescription glasses, contact lenses, eye exams and more. Eyewear that corrects your vision is considered a medical product, which means you can use your health plans to help cover the cost.

Does FSA cover vision and dental?

Medical, dental or vision office visits are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Only preventive medical, dental and vision expenses are eligible under a limited-purpose flexible spending account (LPFSA).

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44 related questions found

Can I pay for braces with FSA?

The answer is yes. In most cases, you can use your HSA or FSA to pay for any part of your orthodontic treatment that isn't covered by your dental insurance or any other plan.

What medical expenses are not covered by FSA?

Ineligible Health Care Expenses
  • Any illegal treatment.
  • Baby-sitting fees to enable you to visit a doctor.
  • Cosmetic surgery improving the patient's appearance.
  • Dental bleaching or any other teeth whitening**
  • Domestic help fees (for services of a non-medical nature)
  • Ear piercing.
  • Early-pregnancy workshops.

Can I use HSA for gym membership?

Physical therapy is an approved medical expense. Can I use my HSA for a gym membership? Typically no. Unless you have a letter from your doctor stating that the membership is necessary to treat an injury or underlying health condition, such as obesity, a gym membership isn't a qualifying medical expense.

What items can you buy with FSA?

You can spend FSA funds to pay deductibles and copayments, but not for insurance premiums. You can spend FSA funds on prescription medications, as well as over-the-counter medicines with a doctor's prescription. Reimbursements for insulin are allowed without a prescription.

Does FSA cover frames and lenses?

Most FSA plans cover prescription glasses' frames. If your eyewear features corrective lenses, and you have an FSA, the chances are that you're qualified for repayment.

Can FSA pay for Lasik?

Yes, you can use an FSA for LASIK and other laser vision correction procedures. The IRS places restrictions on what is covered by FSA funds. However, an FSA currently covers laser vision correction procedures including LASIK, SMILE, PRK, and other techniques.

Does FSA include contact lenses?

Flexible spending accounts (FSA) and health savings accounts (HSA) allow you to contribute pre-tax dollars to use toward medical expenses that your insurance doesn't cover. These can be used to cover optical expenses including contact lenses, eye drops, contact solution, and other types of eyewear.

Does Costco optometry take FSA?

Bonus: You can also pay for Costco services like eye exams and glasses with your FSA or HSA card. We've already talked about the surprising goodies you can buy with your FSA or HSA card at Costco, but don't forget about paying for the services they offer, too: Prescription medications. Vision exams.

How many pairs of glasses can I buy with FSA?

As long as you have the funds, you can buy as many pairs of prescription glasses or sunglasses as you like. If you have money saved at the end of the year, make sure you use your FSA for your next glasses purchase so your money doesn't go to waste!

Does FSA cover teeth whitening?

Key Takeaways. Funds from a flexible spending account (FSA) cannot be used for teeth whitening expenses. The U.S. Internal Revenue Service (IRS) specifically excludes various medical expenses spent on unnecessary cosmetic procedures, such as teeth whitening, in IRS Publication 502.

Is dental floss FSA eligible?

While it seems like they would fit under the dental care umbrella, general self-care items like toothpaste, toothbrushes, and floss are not FSA or HSA eligible. Same goes for specialized or medicated toothpastes.

Are protein shakes FSA eligible?

Protein shakes are considered nutritional supplements, and unfortunately you cannot use your flexible spending account (FSA) towards these. We get many questions about FSA eligibility at FSAstore.com, as people often wonder why protein powder is not considered an FSA eligible expense.

Can you buy toilet paper on FSA?

Toiletries are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA). What are toiletries?

Can I buy toothbrush with FSA?

Toothbrushes are not eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), health reimbursement accounts (HRA), dependent care flexible spending accounts and limited-purpose flexible spending accounts (LPFSA) because they are general health products.

Are massages FSA eligible?

Did you know? Massage Therapy is eligible for reimbursement through most FSA's and HSA's. Some do require a Letter of Medical Necessity from your doctor, but this means you can potentially be reimbursed from your insurance for your massage from us! You just need a note from your primary care physician.

Is Apple Watch HSA eligible?

Unfortunately the answer to this question is usually no. This is because according to the IRS, fitness trackers are used to promote what the IRS terms “general health”. Expenses under this general health definition are not considered HSA eligible expenses.

Can you use FSA for Botox?

Botox injections are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) health reimbursement arrangement (HRA), dependent care flexible spending account (DCFSA) or a limited-purpose flexible spending account (LPFSA).

Can I use FSA card for gas?

Fuel - Gas costs for travel to and from a medical care facility are eligible for reimbursement, however you'll need to keep a mileage log and provide receipts for your gas purchase when you submit a claim.

Is prescription toothpaste FSA eligible?

Medicated toothpaste is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), dependent care flexible spending account (DCFSA) or a limited-purpose flexible spending account (LPFSA).

Can you buy deodorant with FSA?

Deodorant: FSA Eligibility

Deodorant reimbursement is not eligible with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).