Considering nearly two out of every three Americans wear prescription glasses, it's surprising there's so much confusion around the FSA eligibility of eye wear and vision care. What's even more surprising is why more Americans aren't using their tax-free funds to pay for the products and services necessary to maintain proper eye health. And we're not just talking eyeglass repair kits and lens wipes -- there are some seriously surprising eye care items on our Eligibility List.
Since this winter is just getting started let's get ahead of your eye care and protection so you can make the most of the outdoors in the months ahead.
Contact lenses? Yes!
Let's be clear: there are plenty of places to buy contact lenses. But how many of them allow you to choose from a huge range of brands, entirely with your FSA, without wondering if the ones you want are eligible. Maybe we're a little biased, but we think you'll enjoy buying your contacts this way. (Oh, and when you pay with your FSA card, you can skip the receipts process!)
Prevention starts with protection…
No, we're not talking about high school health class… But the same thinking applies. According to a survey from The Vision Council, 75% of American adults in a survey are concerned about UV eye exposure, but only 31% report wearing sunglasses when going outside.
And cloudy days aren't much safer than sunny ones; you can still do some damage when it's overcast, because UV rays break through clouds and can damage unprotected eyes. Prescription sunglasses are FSA-eligible, so what's stopping you from being smarter than the 69% of people who leave their eyes unprotected?
Some lesser-known eye care options
We've used plenty of digital ink showing how laser eye surgery (more commonly known as LASIK) is completely eligible for FSA and HSA reimbursement. And we hope people are realizing that LASIK surgery is often inexpensive enough to cover entirely with their flexible spending funds.
It's not limited to LASIK, either. Medically necessary treatments and routine eye exams are all part of FSA eligible vision care.
Now, for arguably the most surprisingly eligible vision care expense of all -- guide dogs. The National Federation of the Blind has a list of guide dog schools that can connect you or your loved ones with the right service animal, should you need assistance getting around because of visual impairment or blindness.
Other eligible eye and ear care
Don't waste time hunting for ways to spend your tax-free funds. In That's Eligible?!, we'll bring you these updates every Monday, so you don't have to. And for all things flex spending, be sure to check out the rest of our Learning Center, and follow us on Facebook, Instagram and Twitter.
It can be difficult to tell what’s covered by a Flexible Spending Account (FSA). Learn about products & services that require a Letter of Medical Necessity.
It can be difficult to tell what's covered by a Flexible Spending Account (FSA) sometimes. There is such a wide variety of ailments and conditions, and deciphering what's eligible or not covered with an FSA can occasionally be tricky.
As you can see on FSAstore.com, thousands of products are eligible without further support, and other products are eligible as long as you obtain a prescription or a letter of medical necessity.
To learn about additional expenses covered by Flexible Spending Accounts, browse the Eligibility List on FSAstore.com.
What is a Letter of Medical Necessity? Let's define it.
A letter of medical necessity is a letter from your doctor explaining why an item or service may be medically necessary.
It will typically indicate factors such as a disease that the item may be necessary to treat, and why there are not alternatives, what the necessary treatment would be, etc.
Some examples of items that may require a letter of medical necessity include:
- Acne Treatment: Requires prescription when there is an active medical ingredient.
Acne lasers provide energy to the skin to shrink oil glands, unclog pores and eliminate acne causing bacteria.
You can purchase specialized, non-medicated laser treatment through reVive products sold at FSAstore.com. This product is considered FSA eligible.
- Baby Formula: Requires letter of medical necessity
If your baby requires a special formula to treat an illness or disorder, the difference in cost between the special formula and routine baby formula may be reimbursed with a letter of medical necessity.
- Breast Augmentation: Ineligible
This is considered a cosmetic procedure, which is not covered by your FSA. One the other hand, breast reduction might be eligible if you obtain a letter of medical necessity.
- Dietary Supplements: Requires letter of medical necessity
Dietary supplements must be necessary to treat a specific medical condition.
Although you could shop for prenatal vitamins or glucosamine chondroitin at FSA Store.
- Counseling: Some require letter of medical necessity, some ineligible
Counseling must be provided to treat a medical or mental diagnosis and be rendered by a licensed provider. Diagnosis examples include bereavement, behavior modification, psychoanalysis, and psychotherapy. Life coaching, career counseling and marriage counseling do not qualify for FSA reimbursement.
- Feminine hygiene products: Ineligible
- Sunglasses: Requires letter of medical necessity or when prescription based lens', a prescription.
Shop for a variety of FSA eligible itemsat FSAstore.com. Products can range from sunscreen to breast pumps to hot and cold therapy packs tocontact lens care and much more. FSAstore.com offers thousands of products exclusively for an FSA, so you don't have to be confused about what can be reimbursed. You can also easily shop using an FSA debit card, or major credit card.
Confused about what's covered with your Flex Spending Account? FSA Store provides a FSA Eligibility List that breaks any eligible FSA expenses down for you.
It's difficult to know what is and isn't FSA eligible. There are many lists out there that list every item in full detail so that you understand the nitty gritty of FSA eligibility. This is very helpful if you already have a specific item or expense in question. However, if you want to get a general look at what you're able to buy to it can be overwhelming to figure out where to start your exploration.
How do I know what my eligible FSA expenses are?
FSA Store provides a FSA Eligibility List that tries to break eligible FSA expenses down for you.First, the list is separated into two major categories: items that require do not require a doctor's prescription in RED and items that do in BLUE.
First, the list is separated into two major categories: items that require do not require a doctor's prescription in RED and items that do in BLUE.
In order to be reimbursed by an FSA, you will need a prescription for the items marked with the Blue Rx symbol. This is due to regulations on FSAs that require a prescription for any over-the-counter items containing medical ingredients, which would include Zyrtec, Tylenol or Advil, and more. Luckily, not all over-the-counter products require a prescription, so you can rest easy knowing you can use your FSA for thousands of items that do NOT require an Rx!
Still a bit confused? Learn more about the Rx requirements, and learn about our Rx Process. You can submit your prescriptions to us, which will make the process easier for you to handle your FSA, and quickly get the products you need.
Looking at the list of products that do not require a doctor's prescription does not have to be daunting. It's outlined clearly (with the two symbols) on FSAstore.com what categories would qualify, but it's also a good idea to ask your FSA administrator (or HR) about specific expenses covered by your plan. Sometimes covered expenses vary, though everything we sell is FSA eligible.
If you want to get a better idea about manageable categories for you:
Athletic Braces & Supports
Children's First Aid
First Aid Kits
First Aid Treatments & Supplies
Orthopedic & Surgical Supports
Shoe Insoles & Inserts
Home Health Care - Equipment
- Blood Glucose Monitors & Test Strips
- Blood Pressure Monitors
- Diabetes Care Accessories
- Medical Monitoring & Testing Devices
- Walking Aids
- Wheelchairs & Accessories
- Home Medical Equipment
Popular items at FSA Store
- Heating Pads & Wraps
- Hot & Cold Packs
- Lip Balm
- Motion Sickness Aids
- Nasal Spray
- Vaporizers & Handheld Steam Inhalers
- Glucosamine Supplements
- Pregnancy & Fertility Tests
- Prenatal Vitamins
- Baby Sunscreen
- Baby Thermometers
- Breast Pumps & Accessories
- Contact Lens Solution
- Contact Lenses
- Denture Cream & Cleansers
- Eye Glass & Lens Accessories
- Hearing Aid Batteries
- Reading Glasses & Magnifiers
FSAstore.com has a mission to make using an FSA convenient and easy for the millions of Americans (including you) who have these accounts.
When browsing our site, you'll not only find thousands of products covered by a Flexible Spending Account (FSA) or a Health Savings Account (HSA), but also discover resources that explain these plans in greater detail.
- Wondering what's covered by a Flexible Spending Account? Easily search and browse our comprehensive Eligibility List to find FSA eligible products and medical services!
- If you just signed up for an FSA and want to get more information about these plans, then it's worth it to check out ourFSA Learning Center!
- If you're not sure about your FSA budget and would like to re-calculate expenses, try the FSA Calculator! It'll show how much you'll save by using an FSA on all types of out-of-pocket healthcare expenses.
Other New Resources:
- Can't remember what products you recently viewed or purchased? Bylogging into the "Recently Viewed" tab, you can track your shopping history - it'll show you products you already bought, and lets you view the items you're most interested in!
- Curious about popular products at FSAstore.com? Find customer favorites by browsing our"Trending Now"category! These items were the most shared by other customers on social media! And, don't forget to join our social media community on Facebook or Twitter!
- Don't want to risk missing your FSA deadline? Simply log into our FSA Tracker and answer a few questions to help us keep track of your deadline!