Paying for new glasses should be straightforward.
Many customers wonder whether they can use vision insurance, Flexible Spending Accounts (FSA), or Health Savings Accounts (HSA) when purchasing eyewear.
The answer depends on your individual plan, but understanding the basics can help you make the most of your benefits.
Can I use my vision insurance?
Many vision insurance plans provide benefits for prescription eyewear.
Some plans work directly with specific providers, while others allow you to purchase glasses from the retailer of your choice and submit a claim for reimbursement.
Because every insurance plan is different, it's always a good idea to review your coverage or contact your insurance provider before placing your order.
What is an FSA?
A Flexible Spending Account (FSA) allows you to set aside pre-tax money to pay for qualified healthcare expenses.
Prescription eyeglasses are generally considered an eligible expense.
Using your FSA can help reduce your out-of-pocket costs because you're spending money that has not been taxed.
What is an HSA?
A Health Savings Account (HSA) works similarly, allowing you to use pre-tax funds for qualified medical expenses.
If your plan allows it, prescription glasses are typically an eligible purchase.
Unlike many FSA accounts, HSA funds generally roll over from year to year if they are not used.
What's usually covered?
Every insurance plan is different, but eligible expenses often include:
- Prescription eyeglasses
- Prescription sunglasses
- Prescription lenses
- Lens upgrades that qualify under your plan
Always check your individual plan for specific coverage and limitations.
What if I'm not sure what my plan covers?
Don't worry.
Insurance plans can be confusing, and many people aren't sure exactly what benefits they have available.
If you have questions about your benefits, we recommend contacting your insurance provider directly. They can explain exactly what your plan covers and whether reimbursement is available.
If you have questions about your order, our team is always happy to help explain the purchasing process.
Why it's worth checking your benefits
Many people don't realize they have vision benefits that reset every year.
If you've already paid for those benefits through your insurance plan, it makes sense to understand how to take advantage of them before they expire.
Taking a few minutes to review your coverage could help lower your overall cost.
Our recommendation
We encourage every customer to review their insurance, FSA, or HSA benefits before purchasing new glasses.
Even if you're unsure whether your plan covers eyewear, it's worth checking.
If you're purchasing with an FSA or HSA, keep your receipt in case your plan requires documentation for reimbursement.
The Bottom Line
Insurance, FSA, and HSA benefits can help make purchasing prescription glasses more affordable.
Every plan is different, so the best first step is understanding your own coverage.
If you have questions about ordering from BSE, we're always happy to help guide you through the process.