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.
Your dependents may also be eligible for vision coverage under your plan, including eye exams and prescription eyewear. Please note that dependent eligibility is based on your specific plan design, please check your plan details to confirm.
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.
Your prescription must be valid at the time of purchase. If your prescription includes an expiration date, you cannot use it for claims after it has expired. If your prescription has expired, you will need to obtain a new one to make a claim reimbursement.
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
Gather Necessary Documentation:
A valid prescription from an optometrist or ophthalmologist stating the lens corrective power.
Itemized receipt showing the type of eyewear purchased, the cost, and proof of payment.
For eye exams and testing, an itemized receipt from the optometrist or ophthalmologist showing the date and cost of the services provided.
Upload the Documents:
Attach the prescription and purchase receipt or official service receipt to your claim through the myHSA platform.
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!
FAQs
1. Can I claim glasses without providing a prescription?
No. A valid, non-expired prescription is required to prove the medical necessity of your eyewear.
2. How recent does the prescription need to be?
A prescription without an expiry date is considered valid. Otherwise, you’ll need to provide an updated prescription.
3. What should I do if my claim is pending due to missing documents?
Upload the missing documentation, such as proof the eyewear is prescription, via the claim form on myHSA.
4. Can I claim for just frames?
You can claim for the purchase of frames if you provide proof that prescription lenses will be installed in the frames. You can include a copy of your lens prescription to satisfy this requirement.