The end of the year tends to sneak up fast. Between holidays, travel, and work deadlines, it's easy to forget about your flexible spending account (FSA) or health savings account (HSA) benefits until the clock is almost up.
If you have pre-tax dollars set aside for health care, now’s the time to use them. And while stocking up on over-the-counter items is an option, there’s a better investment: your eyes.
At Manhattan Vision Associates, we make it easy for patients to use their FSA or HSA funds for high-quality, eligible services such as eye exams and contact lens fittings. We’ll help you use your benefits wisely before they reset.
What’s the Difference Between an FSA and an HSA?
Both FSAs and HSAs help you pay for health care with pre-tax income. But there are key differences.
Flexible Spending Account (FSA)
- Offered by employers
- Funded with pre-tax dollars
- Most are “use it or lose it”
Health Savings Account (HSA)
- Paired with high-deductible health plans (HDHPs)
- Contributions roll over year to year
- Can be used now or saved for future care
If you have an HSA, it’s still smart to use your benefits now, especially while appointments are available and prices are predictable. And in New York City, schedules fill fast as the year winds down.
What Vision Expenses Qualify for FSA or HSA Use?
Many eye care services qualify for FSA and HSA use. At MVA, this includes:
- Comprehensive eye exams
- Contact lens fittings and lenses
- Prescription eyeglasses and sunglasses
- High-index and progressive lenses
- Dry eye treatments
- Ortho-K and other myopia management
- Follow-up visits and medical eye care
If you're not sure whether a service qualifies, we recommend checking with your benefits provider to confirm the details of your plan.
How to Use FSA or HSA Benefits for Eye Care
Once you know your funds are available, the next step is to decide how to use them strategically. If you’re due for a comprehensive eye exam, start there. It's one of the most FSA- and HSA-friendly ways to care for your vision, and it helps detect issues like glaucoma, macular degeneration, and diabetic eye changes early.
If your prescription has changed or your current glasses just aren’t cutting it anymore, you can also apply your benefits toward new prescription glasses or contact lenses. Our Optical Boutique features high-end frames and specialty lenses that match your personal style and correct your vision.
FSA vs HSA: What to Know Before the Year Ends
If you have an FSA fund, don’t wait. Most expire on December 31, and many NYC practices fill up quickly in December. Even if your plan includes a grace period or limited rollover, it’s safest to book now.
Even though HSA contributions roll over, using them before year-end has real advantages. It lets you save next year’s contributions for unexpected needs and may help you avoid out-of-pocket costs later.
Not sure what type of plan you have? Ask your HR department or provider. And once you know, we’ll help you book the services you need.
Use FSA or HSA on Eye Exams and Contacts in NYC
At Manhattan Vision Associates, our team offers compassionate, expert care designed to fit your goals and schedule. Whether you’re due for an eye exam or ready to explore new frames, we’ll help you put your FSA or HSA dollars to work.
Appointments fill quickly in December, especially in NYC. Book an eye care appointment and use your FSA or HSA before time runs out.