Use It or Lose It: How to Use Your Memphis FSA/HSA for New Glasses Before the Year-End Rush

As the end of the year approaches, many Memphis residents are looking for ways to make the most of their remaining healthcare benefits. If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you may be able to use those funds toward new prescription glasses, contact lenses, and eye exams. At Memphis Primary Eye Care, we help patients take advantage of their vision care benefits while finding eyewear that fits their needs and lifestyle.
 

Understanding Your FSA and HSA Benefits for Eye Care

Both FSAs and HSAs allow you to set aside pre-tax money for eligible healthcare expenses, including many vision care services and products. However, the rules for using these accounts differ.
 

FSAs typically follow a use-it-or-lose-it policy, meaning unused funds may expire at the end of your plan year. Some employers offer a limited carryover or grace period, so checking your specific plan details is important.
 

HSAs work differently. Your unused HSA funds roll over from year to year, allowing you to save them for future healthcare expenses. Although there is no year-end spending deadline for HSA balances, this can still be a convenient time to address your vision needs.
 

What Can You Buy With Your FSA or HSA?

If you have remaining healthcare funds, several eligible eye care expenses may be worth considering. At our Memphis practice, we offer comprehensive eye exams and a wide selection of prescription eyewear.
 

Common FSA and HSA eligible vision expenses include:

• Prescription eyeglasses - Update your everyday eyewear with frames and lenses suited to your prescription.

• Prescription sunglasses - Protect your eyes from sunlight while maintaining clear vision outdoors.

• Contact lenses - Use eligible funds toward prescription contact lenses and necessary supplies.

• Comprehensive eye exams - Schedule an evaluation to check your vision and overall eye health.

• Prescription lens upgrades - Certain options, such as progressive lenses and eligible lens coatings, may qualify when included in prescription eyewear.
  
   

Eligibility can vary, so review your plan guidelines before making a purchase.
 

Why You Should Shop for New Glasses Before December

Waiting until the final weeks of December can make it harder to schedule an eye exam, explore frame options, and order prescription glasses before your FSA deadline.
 

Shopping earlier gives you more time to consider your prescription, compare eyewear styles, and select lenses that support your daily activities.
 

At Memphis Primary Eye Care, we offer an extensive selection of designer frames and prescription eyewear. Whether you need glasses for work, driving, reading, or everyday use, our team can help you explore options that complement your vision needs and personal style.
 

How to Make the Most of Your Remaining Vision Benefits

Before scheduling your appointment, check your available FSA balance, confirm your plan's spending deadline, and review your vision insurance coverage.
 

If your prescription has changed or your current glasses are showing signs of wear, an updated eye exam can help you determine your next steps.
 

We accept FSA and HSA payments at our Memphis office, making it convenient to use eligible healthcare funds toward your eye care needs. Planning ahead also gives you time to ask questions about coverage and payment options before the year-end rush.
 

Don't let your eligible FSA benefits go unused. Schedule your eye exam or shop for new prescription glasses at Memphis Primary Eye Care, located at 5070 Raleigh-Lagrange Road, Suite #25 & #26, Memphis, TN 38134. Call us at (901) 479-0400 to get started.