How to Use Your FSA or HSA for Eye Surgery

How to Use Your FSA or HSA for Eye Surgery 

Wish you could finally stop relying on glasses or contact lenses but worry about the cost of LASIK or other eye surgeries?

You’re not alone — and the good news is, your Flexible Spending Account (FSA) or Health Savings Account (HSA) can make that goal much more affordable. 

At DLV Vision, we help patients use these tax-free benefits to cover procedures like LASIK, PRK, cataract surgery, and more. Here’s what you need to know to make the most of your funds and achieve clear vision this year. 

Understanding FSA and HSA 

Flexible Spending Account (FSA) 

An employer-sponsored account that allows you to set aside pre-tax income for qualified medical expenses, including eye surgery. 

Funds generally expire at the end of the year, so don’t let them go unused. 

• Funds generally expire at the end of the year, so don’t let them go unused. 
• Some employers offer a grace period or allow a small carryover amount. 

Health Savings Account (HSA) 

A tax-advantaged savings account designed for individuals with high-deductible health plans. 

• Funds roll over year to year, with no expiration date. 
• Great for saving toward future vision correction procedures. 

Tip: Using your FSA or HSA can save you up to 30% by lowering your taxable income while investing in your eye health. 

Pink Eye (Infectious Conjunctivitis)

Unlike allergies, pink eye (infectious conjunctivitis) is caused by a viral or bacterial infection of the conjunctiva—the thin, clear membrane covering the white part of the eye. This condition can be difficult to tell apart from allergies, but there are important differences. 

Eye Procedures Eligible for FSA/HSA Use 

Both FSA and HSA funds can be used for a variety of vision correction surgeries offered at DLV Vision, including: 

• LASIK & PRK – Correct nearsightedness, farsightedness, and astigmatism. 
• Cataract Surgery – Including advanced lens implants for sharper, clearer vision. 
• EVO ICL (Implantable Collamer Lens) – A great LASIK alternative for patients who aren’t candidates for laser correction. 
• Refractive Lens Exchange (RLE) – Designed for patients who want long-term correction and reduced dependency on readers. 
• Functional Eyelid Surgery – Covered if deemed medically necessary to improve visual function. 

Cosmetic-only procedures usually aren’t eligible, so confirm with your FSA or HSA administrator before scheduling. 

Why Use FSA or HSA for Vision Correction 

Using pre-tax funds to pay for your eye surgery is one of the smartest ways to invest in your long-term vision and quality of life. 

Key Benefits:

• Tax Savings: Contributions are made before taxes, helping your money go further. 
• Budget-Friendly Payments: You’ve already budgeted for healthcare costs throughout the year. 
• Immediate Results: Get the vision correction you want without waiting or delaying care. 
• Avoid Extra Financing: Use your existing benefits instead of taking on credit or interest-based loans. 

Ready to See Clearly? 

Don’t let your FSA dollars expire — invest them in something life-changing: your vision. 

Call (805) 987-5300 or Request an Appointment

The team at DLV Vision is here to help you make the most of your benefits and guide you every step of the way toward crisp, clear vision.