Will HSA pay for prescription sunglasses?

Asked by: Dr. Buck Wyman MD  |  Last update: December 16, 2025
Score: 4.6/5 (13 votes)

Yes. You can use your HSA to purchase sunglasses if you receive a prescription from a doctor. An HSA is paired with a high-deductible health plan (HDHP). This has a minimum annual deductible for an individual or family.

Can I use my HSA to buy prescription sunglasses?

Most products and services that correct your vision can be paid for with HSA or FSA funds, including: Prescription eyeglasses. Prescription sunglasses. Reading glasses (prescription and over the counter)

Can you use HSA on Oakley sunglasses?

We also accept most FSA/HSA cards; you can use your card at checkout. We recommend checking with your health plan to confirm eligibility.

Are prescription sunglasses covered by health insurance?

Usually yes. Most vision insurance plans have yearly lens and frame allowances that can be used toward the cost of prescription sunglasses. Keep in mind that if your prescription sunglasses cost more than your allowance, you must pay the difference.

Does Lenscrafters take HSA?

USING YOUR FSA/HSA

Whether you have a Flexible Spending Account (FSA)* or a Health Savings Account (HSA)*, we'll help you get the most out of your vision care dollars. Use your FSA benefits on prescription glasses and prescription sunglasses, contact lenses or eye exams.

Can You Use HSA/FSA Funds on Prescription Eyewear? | SportRx

36 related questions found

Can you use HSA card for pair eyewear?

You can use your HSA or FSA card to purchase or pay for it out-of-pocket and be reimbursed. Pair Eyewear has partnered with Flex to make paying with your HSA or FSA a seamless part of the checkout. Unless you're Steve Jobs, you don't wear the same thing every day.

What is HSA glasses?

Flexible Spending Account (FSA) and Health Savings Account (HSA) are tax-advantaged accounts that allow you to save money for qualified health expenses, including eyewear. These accounts can significantly reduce your out-of-pocket costs for prescription glasses and contact lenses.

What should I pay for prescription sunglasses?

The average cost of prescription sunglasses varies, with budget options costing as little as $50 and designer brands draining your budget at $500 and up.

Can you claim prescription sunglasses with insurance?

Many vision insurance plans provide coverage for prescription sunglasses, which means you could be eligible to get a pair of free (or almost-free) prescription sunglasses by using direct billing with Clearly. First, check your plan details to find out exactly what you're covered for.

How to get a prescription for sunglasses?

Getting a pair of prescription sunglasses is easy, just ask your eye doctor at your next appointment. Here's how to add a prescription to your sunglasses: Arrange an Eye Exam: If you need to update your prescription or you're due for an annual exam, make an appointment to check the health of your eyes and vision.

Are Maui Jim sunglasses HSA eligible?

Maui Jim prescription sunglasses qualify as an eligible FSA and HSA expense and we happily accept FSA and HSA cards as forms of payment. Simply enter your FSA/HSA card like a typical debit card at checkout.

Can I use my HSA card for sunscreen?

Since sunscreen is a qualified medical expense, you can use your HSA or FSA debit card to make your purchase (at a pharmacy, grocery store, major retailer, etc.). If need be, you can also pay for it out of pocket and get reimbursed.

Is moisturizer HSA eligible?

According to the IRS, eligible skin care expenses must be considered medically necessary. This means that treatments or products used purely for cosmetic purposes, such as anti-aging creams or facials, would not qualify.

Can I use my HSA for gym membership?

Generally, the IRS doesn't allow pretax dollars in HSAs or FSAs for gym memberships. This is because they see them as expenses for general well-being rather than medical necessity. However, with a Letter of Medical Necessity (LMN), your HSA or FSA could be used to fund those expenses.

Can I use my HSA to buy blue light glasses?

Some items, like blue-light glasses, may be FSA or HSA eligible if your plan administrator allows it. However, you may need a letter of medical necessity to get this expense approved.

Can I use my HSA for dental?

Your HSA also covers expenses for standard dental cleanings and dental check-ups. One thing to keep in mind is that some of these procedures may have a co-payment, so it's important that you check with your dental insurance provider to find out exactly what you'll have to pay out of pocket.

Are prescription sunglasses a qualified medical expense?

Yes, you can pay for prescription eyeglasses and sunglasses with a tax-advantaged health account like a health savings account (HSA) or flexible spending account (FSA).

Will insurance cover prescription sunglasses?

Does insurance cover prescription sunglasses? Most vision insurance plans provide coverage for prescription sunglasses. Generally, vision coverage is limited to products that help correct your eyesight. But some plans might also offer discounts for non-prescription sunglasses from in-network healthcare providers.

How much can you claim for sunglasses?

How much? There is no limit on the cost for your sunglasses, however it's worth knowing that sunglasses costing more that $300 must be depreiciated over the ATOs that cost above $300 its expected they last longer than 12 months.

How much should a good pair of prescription sunglasses cost?

The cost of new prescription sunglasses varies greatly depending on the lenses, lens treatments, and frame material you choose. You will spend between $150 and $500 on average, but you can find cheaper options by comparing prices from different retailers.

Are polarized sunglasses better?

Polarized lenses will not protect your eyes from UV damage more than standard 100% UV lenses. However, they can give you clearer, more accurate vision and alleviate some eye strain. If you find yourself squinting a lot, even when you're wearing sunglasses, consider investing in polarized sunglasses.

Are prescription sunglasses FSA eligible?

You can use FSA dollars on sunglasses, as long as they are prescription sunglasses. Some non-prescription sunglasses can be purchased with HSA or FSA dollars, but you will most likely need a prescription for the shades from your doctor.

Can I use HSA for sunglasses?

Yes, You Can Use Your FSA or HSA to Buy Sunglasses — Here's How. Key takeaways: Sunglasses with UV protection have health benefits, such as guarding your eyes against UV rays and reducing the symptoms of cataracts.

What can I use my HSA for?

A Health Savings Account (HSA) lets you set aside money on a pre-tax basis to pay for:
  • Coinsurance. Coinsurance. ...
  • Copayments. Copayment. ...
  • Deductibles. Deductible. ...
  • Qualified medical expenses (includes some dental, drug, and vision expenses) – Find an expenses list on IRS.gov.

Does an HSA cover vision?

Did you know you can use your HSA and FSA funds to pay for out-of-pocket vision expenses like eye exams and eyewear? It's true!