Yes, eye exams are fully eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Are Eye Exams FSA/HSA Eligible?
Eye exams are used to assess vision and screen for eye diseases or conditions such as glaucoma, cataracts, and macular degeneration. They also help diagnose vision problems like nearsightedness, farsightedness, and astigmatism. Because they are preventive and diagnostic in nature, eye exams qualify as eligible medical expenses under IRS Code Section 213(d).
According to IRS Publication 502, the cost of routine and diagnostic eye examinations is eligible for reimbursement through FSA and HSA funds.
FSA- and HSA-eligible eye exam expenses may include:
Comprehensive vision exams
Retinal imaging and dilation
Refraction tests to determine prescription strength
Tests for eye pressure or other diagnostic screening
Exams performed by optometrists or ophthalmologists
- Exams required for new glasses or contact lenses
What’s Not Covered?
The following are not eligible:
Vision screenings that are purely informational (e.g., at health fairs) and not tied to a medical visit
Eye exams for employment, licensing, or insurance purposes unless medically required
Cosmetic-related exams, such as for elective procedures like LASIK not deemed medically necessary
Any non-medical add-ons not required as part of the exam (e.g., optional vision therapy consultations)
To qualify, the eye exam must be provided by a licensed eye care professional and performed for medical, corrective, or preventive purposes.
How to Use Your FSA or HSA for Eye Exams
You can use your FSA or HSA card at most optometry and ophthalmology clinics. If you pay out of pocket:
Request an itemized receipt showing the date of the exam and provider details
Save your prescription or results if part of a broader treatment plan
Submit your documentation through your FSA or HSA provider if required for reimbursement
For more information on vision care eligibility, refer to IRS Publication 502.
