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Payment Options

The Eye Works Optometry believes in providing the best value for you and your family. We have products and pricing that aims to accommodate all budgets and our office participates in most insurance programs. For patients who have little or no vision insurance coverage, flexible payment programs may be arranged. To learn more about our payment options, please call our office directly.

Our office accepts cash, check, and major debit and credit cards including MasterCard and Visa, as well as Care Credit.

Don’t forget to use your:

• Flexible Spending Plans
• Health Savings Accounts (HSA)
• Medical Savings Accounts (MSA)
• Cafeteria Plans for most of your eye care needs

All of the above plans can be used for all your eye care and eyewear needs, including eyeglasses, contact lenses, routine office visits and medical office visits.

Use your FSA or HSA account

Start by learning what options are available under your FSA. Then schedule your eye exam.

How does FSA work?

Upon signing up for a FSA, a portion of each paycheck is automatically deposited into an account. You can use this account to pay for health expenses that aren’t covered by insurance. You choose the amount in advance, and since the contributions aren’t taxed, each dollar goes farther. Use your FSA tax-free dollars toward any eye care expenses not covered by your vision insurance plan.

Use it or lose it. Don’t wait until the end of the year to determine how to use those funds. You can schedule your eye exam anytime in the year, prior to your FSA’s deadline to take advantage of this great benefit.

What can you buy with your FSA card?

Every FSA plan is different, so it’s important to review yours carefully before you start your FSA “shopping.” Typically, an FSA will cover vision expenses such as:

• Co-payments and deductibles
• Routine eye exams
• Prescription Eyeglasses
• Contact lenses
• Prescription sunglasses

The doctor is your first FSA step

Schedule an eye exam. Use this visit as a starting point for spending your FSA funds – you’ll learn if you have any vision issues that should be addressed and if you need new glasses or contact lenses. After that, you can decide the most appropriate next steps. You may need or want glasses, contact lenses, or prescription sunglasses. You decide how to apply the funds in your FSA or HSA account. And be sure to hang on to those receipts!

What about HSA (health savings account)?

Depending on your insurance plan, your company may offer an HSA instead of an FSA. Typically an HSA is offered with high-deductible insurance plans. Unlike an FSA, the money put into an HSA does not have a use-it-or-lose-it policy. Instead, it earns interest over time and can be used as a rainy-day fund when health care expenses pop up.

Just like an FSA, you can usually use HSA dollars to purchase glasses and pay for other vision expenses such as eye exams, prescription sunglasses, and contacts. Be sure to check your policy first.

FSA/HSA FAQs

Are prescription glasses covered by FSA?

IRS form 969, which explains FSAs, HSAs, HRAs, and other tax-favored health plans, states that medical procedures are eligible if they are considered medical expenses by IRS form 502. That would cover prescription lenses whether they would be used in sunglasses, regular glasses or contacts.

What else can I use FSA funds for?

You can use your pre-tax FSA dollars to pay for eligible vision or dental expenses throughout the plan year. You save money on expenses you’re already paying for, like dental checkups, vision exams, eyeglasses, and much more. Similarly, an HSA is a health care account and savings account in one.

Can I use HSA and FSA at the same time?

If the FSA is a dependent care FSA, you can definitely have it in conjunction with HSA. If your health care FSA and HSA don’t overlap, you can contribute to both in the same year. A limited purpose FSA covers dental, vision, and other eligible expenses, but not medical or prescription drugs.

Can I have a dependent care FSA and HSA at the same time?

Yes…but under special circumstances. You can have an HSA if you have a Limited Expense FSA. The Limited Expense FSA lets you put funds aside for dental, preventative care expenses and vision expenses ONLY. You could also be eligible for a Dependent Care FSA.

Can you use a health savings account for glasses?

RX glasses and contacts are eligible expenses. These funds can be used for prescription eyewear, regardless of whether or not you have vision insurance. The Eye Works Optometry recommends that you always consult your FSA or HSA administrator to confirm how you may apply your account funds to comply with their requirements.