Yes, laser eye surgery is fully eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA) when performed to correct a vision problem.
Why Is Laser Eye Surgery FSA/HSA Eligible?
Laser eye surgery, including LASIK and PRK, is used to correct refractive vision issues such as nearsightedness, farsightedness, and astigmatism. Because it is performed to improve a diagnosed vision impairment, it qualifies as an eligible medical expense under IRS Code Section 213(d).
According to IRS Publication 502, eye surgeries that correct a vision problem are reimbursable medical expenses. Laser procedures that reduce or eliminate the need for glasses or contacts fall into this category when performed by a licensed medical professional.
FSA- and HSA-eligible laser eye surgery expenses may include:
LASIK (Laser-Assisted In Situ Keratomileusis)
PRK (Photorefractive Keratectomy)
SMILE (Small Incision Lenticule Extraction)
Pre-operative exams and vision testing
Surgeon and facility fees
Anesthesia or numbing agents
- Post-operative care, medications, and follow-up visits
What’s Not Covered?
The following are not eligible:
Elective procedures performed for cosmetic reasons or without a vision diagnosis
Extended warranties, service plans, or non-medical add-ons
Surgeries performed by unlicensed providers or in non-clinical settings
Costs already covered or reimbursed by insurance or another party
To qualify, the surgery must be medically necessary to correct a vision impairment and performed by a licensed eye care professional.
How to Use Your FSA or HSA for Laser Eye Surgery
You can use your FSA or HSA card to pay for qualifying laser eye surgery at the provider’s office or surgical facility. If you pay out of pocket:
Request an itemized invoice showing the procedure name, date, and provider information
Keep documentation of your diagnosis or vision prescription
Submit your documents through your FSA or HSA provider portal for reimbursement
For more information, refer to IRS Publication 502.
