Understanding how to use your myHSA (Health Spending Account) for vision-related expenses can help you make the most of your benefits. Here’s a straightforward guide on what’s eligible and what’s not when it comes to covering vision claims with your myHSA.
Eligible Items
Prescription Glasses and Sunglasses
You can use your myHSA to cover the cost of prescription glasses and prescription sunglasses. These must be accompanied by a valid prescription from an eye care professional. They can be purchased online or in store.
Contact Lenses
Contact lenses that require a prescription are also eligible. This includes both daily wear and extended wear lenses. They can be purchased online or in store.
Prescription Goggles
If you need prescription goggles for activities like swimming or other sports, these are covered as long as they are fitted with prescription lenses.
Eye Exams and Testing
Exams and testing with an optometrist or ophthalmologist are eligible for coverage. This includes routine eye exams and any necessary diagnostic tests required by an eye care professional.
While the cost of prescription lenses is eligible, frames alone are not. Frames must be purchased alongside prescription lenses or have prescription lenses placed into them to be covered by your myHSA.
Ineligible Items
Non-Prescription Accessories
Accessories for glasses, such as clip-on sunglasses, cleaning solutions, or decorative items, are not covered. These items do not qualify as they are considered non-medical accessories.
Eye Drops
Eye drops are not eligible for coverage unless they are prescription eye drops dispensed by a pharmacy. Over-the-counter eye drops or those purchased without a prescription do not qualify for reimbursement.
Compresses
Compresses, whether hot or cold, are not eligible for coverage under your myHSA. These items are considered general wellness products rather than specific medical necessities tied to a prescription.
How to Claim
To ensure your claim is processed smoothly, include the following with your submission:
A copy of your prescription from a licensed eye care professional.
An itemized receipt showing the cost of the prescription lenses and frames (if applicable) or the contact lenses.
For prescription eye drops, a copy of the Official Prescription Receipt from the pharmacy where the drops were dispensed.
For eye exams and testing, an itemized receipt from the optometrist or ophthalmologist showing the date and cost of the services provided.
By understanding these guidelines, you can effectively use your myHSA to cover necessary vision-related expenses. If you have any questions or need further clarification, don't hesitate to reach out to our support team at support@getmyhsa.com or open a live chat with us!