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Instead, you can simply use your regular credit card.
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Related: Polarized Sunglasses For Golf? Pros & Cons Explainedīut you don’t need a physical FSA or HSA card to complete your purchase. In this case, you can make direct payments with your FSA or HSA card, just like you do with a regular debit or credit card. You can pay for your prescription sunglasses using direct FSA or HSA payments, which most sunglasses vendors support.
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How to Pay for Sunglasses with your FSA or HSA Account? This account is designed for dependent care health expenses and doesn’t cover prescription sunglasses, including blue-light sunglasses. Prescription sunglasses aren’t eligible for reimbursement with these DCFSA accounts. The same isn’t true for a dependent care flexible spending account.
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But, again, only prescription sunglasses and not regular sunglasses are eligible for reimbursement. It’s also worth noting that you can buy prescription sunglasses with a limited-purpose flexible spending account (LPFSA). And this includes using your card to purchase eye drops over the counter. However, it is good to consult your coverage provider to see the types of eligible surgeries.Įye drops – Your plan also covers eye drops for dry eye or allergies. Learn how to read your prescription in our guide here.Įye surgery – The FSA covers corrective eye surgery, including cataract, radial keratotomy, or LASIK surgeries. And this is great since you’ll need a valid prescription to purchase corrective eyeglasses or sunglasses. Routine eye exams – The funds can be used for annual eye exams or other routine check-ups. These accessories also apply to prescription sunglasses. You can also add eyeglasses repair and repair kits to the list of covered accessories. These include contact lens cleaning solutions, saline, eyeglasses wipes, and cleansers. They are a good alternative to over-the-glasses (OTG) options.Įye care – FSA covers eye care accessories. Fortunately, it’s not hard to find prescription sports sunglasses. Your FSA can cover these types of shades if they have prescription lenses. Sports sunglasses – Brands like Oakley make sports-specific sunglasses for baseball, golf, fishing, etc. Related: The Best Women's Golf Sunglasses | Buyer's Guide The FSA doesn’t cover regular safety goggles. Safety goggles – Just make sure that the safety goggles have prescription lenses. However, the plans don’t cover non-prescription contacts, such as colored contacts for fashion use. These include extended-wear, monthly, or disposable contacts. Prescription contact lenses – The FSA and HSA cover all kinds of prescription contact lenses. The one option not included is any insurance or protection plans for your prescription glasses. Prescription eyeglasses – Including all corrective clear glasses such as progressive, bifocal, over-the-counter reading glasses, and plain eyeglass frames. And don’t be afraid to add extras such as scratch-resistant or anti-reflective coating. However, from our experience, most plans cover these types of glasses. But you may need to refer to your plan’s coverage. FSA and HSA accounts also cover specialty prescription sunglasses lenses such as photochromic, mirrored, and polarized lenses.īlue light glasses – Most FSA and HSA plans cover sunglasses and eyeglasses lenses with blue-light filters. Your sunglasses must have prescription lenses to qualify for reimbursement. Prescription sunglasses – Again, the keyword is prescription. What’s Eligible Under FSA and HSA Accounts?įSA and HSA funds cover a variety of vision expenses, including: This is because sunglasses are usually not classified as valid medical expenses unless they have prescription lenses to correct vision. You can use your FSA or HSA card to pay for the sunglasses at checkout, whether you’re shopping online or over-the-counter at a store.įSA and HAS accounts do not cover regular sunglasses. If you have a flexible spending account (FSA) or health savings account (HSA), you can actually buy prescription sunglasses with your tax-free funds.