Yes, cataract surgery is fully eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is Cataract Surgery FSA/HSA Eligible?
Cataract surgery is a medically necessary procedure used to remove a clouded lens from the eye and restore vision. Because it is performed to treat a diagnosable vision impairment, the procedure qualifies as a reimbursable medical expense under IRS Code Section 213(d).
According to IRS Publication 502, medical and surgical treatments to correct a visual defect are considered eligible. This includes both traditional and laser-assisted cataract surgery, as well as associated pre- and post-operative care.
FSA- and HSA-eligible cataract-related expenses include:
Surgeon’s fees and hospital or outpatient facility charges
Anesthesia and sedation related to the procedure
Pre-operative exams and diagnostic imaging
Removal of the cataract and lens implantation
Follow-up appointments and vision tests
Medications required before or after surgery (e.g., eye drops)
Corrective prescription eyeglasses or contact lenses after the procedure
What’s Not Covered?
The following are not eligible:
Premium intraocular lenses (IOLs) chosen for cosmetic or convenience purposes (e.g., lenses correcting presbyopia or astigmatism without medical necessity)
Elective enhancements not deemed medically necessary by the provider
Travel or lodging unless directly tied to care and otherwise qualifies under IRS rules
Warranty plans or non-medical add-ons
To qualify, the expenses must be medically necessary and clearly related to the treatment of cataracts.
How to Use Your FSA or HSA for Cataract Surgery
You can use your FSA or HSA card to pay for eligible services or submit reimbursement requests for out-of-pocket costs. To ensure smooth processing:
Retain itemized bills from your surgeon, facility, or ophthalmologist
Save prescriptions and receipts for any post-operative medications or vision correction devices
If using a payment plan, confirm your provider can supply documentation detailing each portion of the treatment
For more information on qualifying medical procedures, refer to IRS Publication 502.
