Yes, ophthalmologist services are fully eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA) when used for diagnosing, treating, or managing eye-related medical conditions or performing eye surgery.
Why Are Ophthalmologist Services FSA/HSA Eligible?
Ophthalmologists are medical doctors (MDs or DOs) who specialize in comprehensive eye care, including advanced diagnostics, prescription of corrective lenses, medical treatment of eye diseases, and surgical procedures. Because their services involve the treatment of diagnosed medical conditions, they are considered eligible medical expenses under IRS Code Section 213(d).
According to IRS Publication 502, payments made for medical services provided by licensed healthcare professionals are eligible when used to diagnose, treat, or prevent disease.
FSA- and HSA-eligible ophthalmologist services include:
Comprehensive eye exams and medical eye evaluations
Diagnosis and treatment of conditions such as cataracts, glaucoma, macular degeneration, or diabetic retinopathy
Eye surgery, including LASIK, cataract removal, and corneal procedures
Prescription medications for eye diseases
Post-operative eye care
- Injections and laser treatments for retinal or corneal conditions
What’s Not Covered?
The following are not eligible:
Cosmetic eye procedures performed without a medical necessity (e.g., elective eyelid surgery for appearance only)
General vision screenings performed without diagnosis or medical indication
Premium lens upgrades not covered by insurance or deemed medically unnecessary
Missed appointment fees or non-itemized bundled service charges
Ophthalmologist services must be medically necessary and provided by a licensed physician specializing in eye care.
How to Use Your FSA or HSA for Ophthalmologist Services
You can use your FSA or HSA card to pay for ophthalmology appointments, procedures, and treatments directly through your provider or surgical center. If you pay out of pocket:
Request an itemized invoice showing the nature of the exam, diagnosis, or procedure
Ensure services are documented as medically necessary
Submit receipts to your plan administrator for reimbursement
For full eligibility guidance, refer to IRS Publication 502.
