Have you been thinking about LASIK or cataract surgery but wondering how to make it more affordable?
If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you may already have a simple, tax-free way to pay for clearer vision.
At ADV Vision, with locations in Paso Robles, Santa Maria, and San Luis Obispo, many of our patients use their FSA or HSA funds to cover procedures like LASIK, PRK, and advanced cataract surgery. Here’s how you can make the most of your benefits before the year ends.
Understanding FSA and HSA Accounts
Both FSA and HSA accounts are designed to help you save on healthcare expenses — including many vision correction procedures.
What Is an FSA?
A Flexible Spending Account allows you to use pre-tax dollars for eligible medical expenses.
- FSAs are usually funded through your employer.
- Funds typically expire at the end of the year, though some plans allow a short grace period or small rollover amount.
What Is an HSA?
A Health Savings Account is available to individuals with high-deductible health plans.
- Contributions are also tax-free.
- Unlike FSAs, the funds roll over indefinitely, so you can save for future care, including eye surgery.
Smart Tip: Using pre-tax FSA or HSA dollars for your eye surgery can save you 20–30% on the total cost.
Eye Surgeries Covered by FSA and HSA Funds
Your FSA or HSA can be used toward many procedures offered at ADV Vision, including:
- LASIK & PRK: Correct nearsightedness, farsightedness, and astigmatism for lasting freedom from glasses.
- Cataract Surgery: Restore sharp, vibrant vision with premium lens implants.
- Refractive Lens Exchange (RLE): Ideal for those who want long-term visual improvement and reduced dependency on readers.
Note: Purely cosmetic procedures aren’t covered, so check with your account administrator if you’re unsure.
Why Use Your FSA or HSA for Vision Correction?
Using your tax-free benefits to improve your vision is one of the best financial decisions you can make.
Top Advantages:
- Save Money on Taxes: Your contributions are deducted before taxes, giving you more value for every dollar spent.
- Plan Ahead: FSAs and HSAs let you budget for medical expenses in advance.
- Access Quality Care: Get the procedure you’ve been waiting for — without waiting for insurance coverage.
- No Interest or Hidden Fees: Use your own funds rather than relying on financing.
Timing Matters — Don’t Let Your Funds Expire
If you have an FSA, be sure to check your balance and use it before it expires, typically on December 31. Unused funds may be forfeited after that date.
That’s why fall is one of the most popular times to schedule LASIK and cataract surgery consultations at ADV Vision. It gives patients enough time to complete pre-surgical exams and treatment before the deadline.
If you have an HSA, you can take your time — the funds never expire — but using them for eye surgery this year can still help reduce your taxable income.
Pro Tip: Even if you’re not ready for surgery yet, you can schedule your consultation now and lock in your benefit eligibility for the current year.
Schedule Your Consultation Today
If you’ve been considering vision correction, now’s the perfect time to use your tax-free benefits toward the clear vision you deserve.
Let the experts at ADV Vision guide you through your options and help you make the most of your FSA or HSA before the year ends.
