Yes, optometrist services are fully eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA) when used for vision care, diagnosis, or treatment of an eye-related medical condition.
Why Are Optometrist Services FSA/HSA Eligible?
Optometrists are licensed medical professionals who provide vision exams, diagnose eye conditions, and prescribe corrective lenses or treatment for vision-related issues. These services are considered qualified medical expenses under IRS Code Section 213(d) when performed for the purpose of diagnosing or treating a medical condition or impairment of vision.
According to IRS Publication 502, medical care provided by licensed eye care providers is reimbursable with FSA or HSA funds when it supports the treatment, mitigation, or prevention of a health condition.
FSA- and HSA-eligible optometrist expenses include:
Routine eye exams
Refraction testing and vision prescriptions
Diagnosis and treatment of eye conditions (e.g., dry eye, conjunctivitis)
Monitoring of chronic eye disorders (e.g., glaucoma, macular degeneration)
Contact lens fittings and follow-up visits
Pre- and post-operative care for eye surgery
What’s Not Covered?
The following are not eligible:
Services not performed by a licensed optometrist or ophthalmologist
Cosmetic services (e.g., eye whitening treatments)
Vision therapy for learning disabilities without medical documentation
Eyeglasses or contact lenses purchased without a valid prescription
- General wellness or aesthetic exams not intended for vision correction or diagnosis
How to Use Your FSA or HSA for Optometrist Services
You can pay for eligible optometrist services directly using your FSA or HSA card at eye care clinics, optical centers, or private practices. If you pay out of pocket:
Request an itemized invoice for the exam or treatment
Ensure services are documented as related to eye health or vision correction
Submit receipts and documentation to your plan administrator for reimbursement
For more guidance, refer to IRS Publication 502.
