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FSAs, HSAs, and Contacts

Flexible spending accounts (FSA) and health savings accounts (HSA) allow you to contribute pre-tax dollars to use toward medical expenses that your insurance doesn't cover. These can be used to cover optical expenses including contact lenses, eye drops, contact solution, and other types of eyewear. It’s important to know how to use your FSA and HSA to the fullest so you don’t end up wasting money.

If you’re interested in learning how to use your vision insurance, head to our vision insurance page.

Eligible Products

To see which products (at what price point) qualify for your plan, always check with your plan administrator first.

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Frequently Asked Questions

How Do FSAs and HSAs Work?

These accounts help you save money for out-of-pocket medical expenses. The amount of pre-tax dollars that is able to be contributed varies year to year. If you plan on getting an FSA, carefully calculate how much money you foresee using within a year because any leftover money will be lost at the end of December. However, some employees may offer a grace period of extra time to spend the money or an amount allowed to rollover. If you have an HSA, contributions will roll over annually and earn tax-deferred interest. Plans vary so some restrictions may apply. Contact your FSA or HSA plan provider for eligibility and applicable rules.

Do I Qualify for an FSA or HSA?

You are typically eligible for an FSA as long as your employer offers it. If you are covered by a high-deductible health plan (HDHP), not covered by an additional medical plan, cannot be claimed as a dependent on someone’s tax return, and not entitled to Medicare benefits, then you can set up an HSA.

Which Products are Covered by HSA/FSA?

Contact lenses, eye drops, and contact lens solutions should be covered by both HSAs and FSAs. Cosmetic and plano (non-prescription) contacts are not covered. Always check with your plan administrator to see which products (at what price point) qualify for your plan before making any purchases.

How Do I Use FSA or HSA Money at DiscountContacts.com?

Make sure before purchasing anything that it will be covered by your plan provider. Products can be purchased on DiscountContacts.com using FSA or HSA debit cards. If you don’t have an FSA or HSA debit card, pay for products as you normally would. Then, send the itemized receipt to your provider for reimbursement. Orders can also be placed over the phone with our customer service team who will be able to help guide you through the process and answer any questions.

How Do I Get My Itemized Receipt from DiscountContacts.com?

Go to your account page on DiscountContacts.com, click on the orders tab, select the order for which you want the receipt, and click the button labeled “print receipt”. You will need to send this receipt to your FSA or HSA plan provider to get reimbursed for your order. However, some providers may need a more detailed invoice than what we provide. If so, reach out to our customer service team who will be able to provide a more specified receipt.

Can I Return an Order Paid for with FSA/ HSA Money?

Yes, our Satisfaction Guarantee allows for free 365-day returns. However, since FSA money expires after a year, that money might be forfeited depending on the timing of your return. Check with your provider first before requesting a return.

Use your FSA money by the end of the year before you lose it! If you want to spend it on glasses instead of contacts, visit our sister site DiscountGlasses.com for high-quality, affordable eyewear.