Flexible Spending & Health Savings Accounts

Flexible Spending & Health Savings Accounts

Did You Know?


  • FSA funds for the entire year are available January 1st.
  • FSA funds usually expire by Dec 31st or by March 15th.
  • You may be able to carry $500 of unused FSA funds from the previous year depending on your employer.


  • You have to be enrolled in a high-deductible plan (minimum of $1,250 for an individual) to be eligible for a health savings account.
  • HSA funds are accrued throughout the calendar year.
  • An individual can contribute up to $3,300 a year, and sometimes your employer will make a contribution to the account, just like with a 401(k).


  • FSA/HSA funds can be used to purchase prescription eyewear and/or frames.
  • FSA/HSA funds can be used whether you have vision insurance or not.

Frequently Asked FSA & HSA Questions

Did you know that you can use your flexible spending account (FSA) or health savings account (HSA) dollars to purchase prescription eyeglasses, prescription contact lenses, and prescription sunglasses? These funds can be used for prescription eyewear, regardless of whether or not you have vision insurance.

We've provided answers to some of the most commonly asked FSA/HSA questions below. But if you don't see the information you're looking for, please email to reach out to our expert opticians.

What items qualify as FSA or HSA eligible expenses?

Your FSA or HSA typically covers expenses like prescription drugs, doctor visits and, of course, prescription eyewear! See the list below to find out if your prescription eyewear is covered.

  • Eyeglasses with or without lenses (including Readers)
  • Prescription sunglasses
  • Sunglasses (only if medically necessary and prescribed by a physician)
  • Contact lenses and related cleaning/storage solutions

When are my FSA/HSA dollars available?

Generally, FSA allowances are available at the start of your "coverage period”. Usually the "coverage period" is defined as one calendar year (starting on Jan. 1st). Also, depending on your employer, you may be able to carry over $500 of unused FSA money to the following year.

When do my FSA or HSA dollars expire?

Typically, FSA dollars must be used in the same "coverage period" (i.e. calendar year) that the money was put aside. Usually the "coverage period" is defined as one calendar year (ending on Dec. 31st). However, some plans offer a grace period that will allow you to use your remaining FSA dollars until March 15 of the following year. Any unused FSA funds will be lost once your coverage period expires.

HSA dollars never expire and will remain in your account until they are used. If you do not use all of your HSA funds in a given year, the unspent money will roll over into your account for next year.

How do I use my FSA or HSA dollars to purchase eyewear on

If you have an FSA or HSA debit card, you can enter that card's information at check-out, just like you would a normal credit card. If you do not have an FSA or HSA debit card, you will have to make your purchase using another credit card and seek reimbursement directly from your FSA or HSA provider. Most FSA or HSA providers will require you to submit a reimbursement form along with an itemized receipt or invoice (which will be emailed to you and included with your package).


FSA Account Prescription eyeglasses

Use your FSA dollars
before they expire December 31st

Most Flexible Spending Accounts expire on December 31st, but yours don't have to go to waste. Get new eyeglasses, prescription sunglasses, readers, or contact lenses before the new year.