Yes, radial keratotomy is eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA) when performed to correct a vision problem.
Why Is Radial Keratotomy FSA/HSA Eligible?
Radial keratotomy (RK) is a surgical procedure used to correct refractive vision issues such as nearsightedness (myopia) by reshaping the cornea. Although RK has largely been replaced by newer technologies like LASIK, it is still recognized as a medically necessary treatment when performed to improve vision and eliminate the need for prescription eyeglasses or contact lenses.
Because the procedure is performed to treat a diagnosed vision condition, radial keratotomy is considered a qualified medical expense under IRS Code Section 213(d). IRS Publication 502 confirms that eye surgery to correct vision defects is eligible for FSA and HSA reimbursement.
FSA- and HSA-eligible expenses related to radial keratotomy may include:
Pre-operative vision assessments
The surgical procedure itself
Post-operative follow-up visits
- Medications or eye drops prescribed for recovery
What’s Not Covered?
The following are not eligible:
Procedures performed for cosmetic reasons rather than medical correction
Optional services or upgrades not necessary for vision correction
Travel, lodging, or non-medical expenses associated with the procedure
Missed appointment fees or administrative charges unrelated to treatment
To qualify, the procedure must be conducted to correct a refractive vision condition and performed by a licensed medical provider.
How to Use Your FSA or HSA for Radial Keratotomy
You can use your FSA or HSA card to pay for radial keratotomy through your eye care provider or surgery center. If paying out of pocket:
Request an itemized receipt showing the procedure, provider, and dates of service
Make sure the procedure is performed for medical (not cosmetic) purposes
Keep documentation in case your benefits provider requires verification
For further clarification, refer to IRS Publication 502.
