Can I use my Flex Spending Account (FSA) or Health Savings Account (HSA)?
Yes. We accept FSA or HSA for purchasing prescription eyeglasses or sunglasses.
1. What is FSA/HSA?
FSA (Flex Spending Account) and HSA (Health Savings Account) are pre-tax medical expense accounts offered by employers which can be used for eligible health care expenses, including prescription eyewear.
FSA is a "use it or lose it" program which runs January 1-December 31. The funds must be used by the end of the year or else you lose your money. Buying glasses at Zinff is a great way to use up lingering FSA money.
HSA funds roll over and accumulate year to year if they are not spent.Using your HSA for glasses is a great way to save money, since the funds are taken out of your paycheck before taxes.
2.What Type of Glasses Can I Buy with HSA and FSA?
Any eyewear product that corrects your vision is classified as a medical product and is thus available for purchase with an FSA or HSA account.You can’t use your flexible spending account or health savings account to buy eyewear with no prescription.Routine eye examinations or more serious eye surgeries can also be covered by your FSA or HSA, but your insurance premiums can’t be covered.
2.1 Eligible for Purchase with FSA and HSA
✅ Prescription eyeglasses
✅ Prescription sunglasses
✅ Contact lenses
✅ Eye examinations and eye surgery
✅ Reading glasses (both prescribed by an optometrist and not).
✅ Eyeglass repair kit
2.2 Not Eligible for Purchase with FSA and HSA
❌ Non-prescription eyeglasses
❌ Non-prescription sunglasses
❌ Insurance premiums
❌ Non-prescription colored contact lenses
3. How to order with FSA/HSA?
If you have an FSA/HSA card, you can use it at checkout as you use a credit card. If you don't have an FSA/HSA card, simply make your purchase as you normally would, and submit your receipt to your FSA/HSA plan for reimbursement.
4.How to submit FSA claims?
What if you do not have a card? You can submit these expenses at any time within the term of your FSA coverage or grace period. And, you can do so right on your FSA provider's website.
1) If you do not know how to access your FSA website, check with your employer or third-party FSA provider. If this is your first-time logging into an FSA website, you may need to set up an account.
2) Once you've accessed your FSA site, look for the option to submit a claim. From there, follow the steps outlined on the FSA claim page. These will vary according to your provider.
3) Typically, you will be asked to upload a digital copy of your receipt and answer a series of questions. For example, you'll likely be asked to fill out some personal information along with the service or product type, your date of service or purchase, your provider's name, and the cost not reimbursed by your health insurance provider.
4) Once completed, your provider will evaluate your claim and send you a reimbursement check toward all qualifying purchases.