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Spending your FSA dollars at LensCrafters
If you have a Flexible Spending Account (FSA)or Health Savings Account (HSA) why delay taking care of yourself and your vision?
What exactly is an FSA? When you sign up for an FSA, money from each paycheck is automatically deposited into an account. You can use this account to pay for health expenses that aren't covered by insurance. You decide on the amount in advance, and since the contributions aren't taxed, each dollar goes farther. An FSA can provide you with tax-free dollars to use toward any eye care expenses not covered by your vision insurance plan.
And what happens if you don’t spend your annual FSA/HSA savings? It depends on the type of account you signed up for. Typically FSAs have a “Use-it-or-lose-it” policy, meaning you have to use up your dollars by a certain deadline every year. HSAs tend not to follow this format.
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Your FSA can help purchase prescription eyeglasses, prescription sunglasses, and contact lenses year-round.
So what will your FSA plan cover? Every FSA plan is different, so it's important to take a good look at yours before you start your FSA "shopping." Typically, an FSA will cover vision expenses like:
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Wondering where to start? Don’t get overwhelmed by the details; your first step is to schedule an eye exam. Use this visit as a starting point for spending your FSA funds – you’ll learn if you have any vision issues that should be addressed, and if you need new glasses or contact lenses.
YOUR FSA TO-DO LIST
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Depending on your insurance plan, your company may offer an HSA instead of an FSA. Typically an HSA is offered with high deductible insurance plans. Unlike an FSA, the money put into an HSA does not have a use-it-or-lose-it policy.
Instead, it earns interest over time and can be used as a rainy-day fund when healthcare expenses pop up. Just like an FSA, you can usually use HSA dollars to purchase glasses and pay for other vision expenses like eye exams, prescription sunglasses and contacts, so check your policy.
The benefits of an HSA sound appealing – but you didn’t participate this year? Talk to the HR expert in your office to find out when you might be eligible to enroll. Then, you can put HSA money towards health expenses – like new glasses – next year.
We accept most vision insurance plans, including
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Is it time for a lens upgrade? Been eyeing up a pair of designer prescription sunglasses? Ready to try contact lenses? You can use your FSA!