One of the most common questions we receive about LASIK (laser eye correction) surgery is: Is LASIK surgery HSA eligible? Many people don't realize that LASIK surgery is in fact eligible and can be covered by their HSA dollars.
First, a quick overview of LASIK
Some people may not realize LASIK eye surgery is HSA eligible because they might confuse it with a cosmetic procedure, but it is eligible because it is done primarily to improve the function of the eye. LASIK doesn't just slightly improve vision; it corrects nearsightedness, farsightedness, and even astigmatism in patients, possibly eliminating their need for glasses or contacts. In other words, it can dramatically improve their lives while reducing eye care costs.
Using tax-free funds for LASIK
Now, to be fair, not all patients will qualify for LASIK surgery. Unfortunately, 20-30% of candidates won't be able to get the surgery because of various pre-existing conditions. But for those who do, this quick surgery can be a life-changing procedure, made more affordable by using HSA dollars.
If you've been putting aside HSA funds to save up for LASIK, be sure to check with your eye doctor to see if you qualify. To prepare, your eye doctor will require a checkup to look for possible risks, and then determine your needs, and whether LASIK will fix these problems. From there, you'll then discuss costs and fees, then figure out the best way to use your tax-free dollars for the surgery.
If you're planning to use tax-free HSA funds, you will also save considerably on the costs of LASIK surgery. Plus, HSA funds never expire, giving you more flexibility to schedule the surgery at a convenient time, without having to meet a claim deadline.
Not ready for LASIK just yet?
Your HSA-eligible eye care needs aren't limited to LASIK surgery. You can pay for a wide range of eye care products and services – everything from eye drops to prescription glasses and contact lenses – with your tax-free dollars.
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