Can I Use My FSA/HSA for

Contact Lenses?


Prescription Sunglasses?

Can I Use My FSA/HSA for in Olympia

Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) for Eye Care

What is an FSA/HSA? 

These are general terms for types of flexible accounts where a sum of money is automatically deducted from each paycheck that can be used to pay for health care items that aren't covered by insurance. The advantage of these accounts is that the sum isn't taxed, so you get more for your money. The amount is usually predetermined by you.

American Family Vision Clinic

Can I use my FSA/HSA to purchase glasses?

You can use your account card to purchase different types of eye care products. While there are many different FSA/HSA programs, vision care items that are typically covered include:

  • The cost of eye examinations
  • Copayments and deductibles
  • Prescription glasses and sunglasses
  • Reading glasses
  • Eye drops
  • Contact lenses
  • Saline solution
  • Some programs allow the sum to be used for more expensive eye surgeries

If you do not have a "flex" card, you may have to pay the cost upfront and then apply for reimbursement from your program. To find out more about the specific benefits and policies of your FSA/HSA, speak with your provider.

What is the difference between an FSA and an HSA?

What is the difference between an FSA and an HSA?

The disadvantage of Flexible Saving Accounts is that the sum doesn't usually carry over into the new year, so you want to make sure that you spend the money you have saved each year. If you don't use it by a certain deadline you will lose it!

The advantage of Health Saving Accounts is that the money usually carries over, which allows you to accumulate money to purchase more expensive items and services.

Common Questions

Prescription eye drops are reimbursable through a flexible spending account (FSA) and health savings account (HSA). The Affordable Care Act (ACA) has regulations that rule out coverage for any medication that is not accompanied with a prescription, as such most over-the- counter eye drops (OTC) such as eye drops for red eye, OTC drops for eye allergies, and artificial tears are not eligible for reimbursement unless accompanied by a prescription. It should be noted that reimbursement for eye treatment medications cannot be claimed with a dependent care flexible spending account (DCFSA).
Can I Use My FSA/HSA for
Dr. Zurcher cartoon


An FSA/HSA is an excellent way to save money on health care needs that often aren't covered by medical insurance. Speak with an HSA/FSA provider to find out which programs are available in your place of employment, and to determine which type of account is most suitable for your health care needs.


Such a nice optician. My grandson is only 4 and needs glasses. We were so sad, but he explained the issues, and we will follow up as he suggested.

Anna P.

I had such a good experience with the clinic. Very friendly staff and doctor, did not have to wait for long to be called, and was treated respectfully. Thanks, American Family.

June S.

Dr. Zurcher has gone above and beyond what any other eye doctor has ever done to figure out what is going on with my eyes. Very happy with American Family Vision.

Christine R.

Family Vision Clinic changed our lives! My daughter was frequently car sick, and she was getting headaches every day, often painful enough that they brought her to tears. We saw a string of doctors and therapists, but we made no progress. Finally, we found Dr. Levi Zurcher and his eye therapist Rain. After ten weeks of eye therapy my daughter no longer gets headaches, and she no longer gets car sick. Daily tears are a thing of the past. I really can’t say enough about this clinic. It was fascinating to watch Dr. Zurcher work. For the first time, someone who knew what they were doing was intently studying my daughter, really trying to figure out all of her eye issues, and his therapist Rain is one of the most patient and lovely people that I’ve ever had the good fortune to meet. We’re finished with eye therapy—yay!—and I have switched to American Family Vision Clinic for all of my family’s other eye health needs.

Lars Wulff

Very professional, yet kind and helpful. They do what they can to make the appointment comfortable. I was running a bit late, I made sure ti call. They were able to switch me with a patient who was already there, they treated me with respect, and helped my son have confidence by getting him the eye care he needed that day. Thank you so much! Would recommend to anyone. It's a blessing that they care enough to work with people who have all different types of insurance from work to state coverage.

Justin E.

The staff is friendly. The Doc is very knowledgeable. The office is family friendly and everyone is so patient with the little ones.

Amy Fagerness
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