Tax-Free Healthcare
HSA & FSA Guide
Maximize your pre-tax benefits for premium eye care, designer eyewear, and medical treatments.
Smart Spending on Your Vision
Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) allow you to set aside money on a pre-tax basis to pay for qualified medical and vision expenses.
By using these funds, you effectively give yourself a discount equal to your tax bracket. At Westwood & Montrose Eye Center, we accept all major HSA and FSA debit cards directly at our front desk, making it seamless to invest in your ocular health.
Time Sensitive
The "Use It or Lose It" Rule
While HSA funds roll over year after year, FSA funds typically expire on December 31st of each year.
If you do not spend your FSA money before the deadline, that money is forfeited back to your employer. Do not leave your hard-earned money on the table!
Audit-Proof Paperwork
Sometimes, your HSA or FSA administrator will temporarily freeze your account or request "substantiation" (proof) that your purchase was a legitimate medical expense. A standard credit card receipt is not enough to satisfy the IRS or your plan administrator.
We have you covered.
Our billing system automatically generates an Itemized Medical Receipt (Superbill) for every transaction. This document includes the required patient details, date of service, specific medical CPT and ICD-10 diagnosis codes, and a line-item breakdown of your glasses, contacts, or clinical treatments. If your plan administrator asks questions, simply hand them our receipt.
Approved Spending
What is Eligible?
The IRS allows you to use your tax-free funds for a wide variety of vision correction and medical eye care needs.
Eye Exams & Refraction
Any out-of-pocket costs for your comprehensive eye exams, contact lens fitting fees, and non-covered refraction fees are fully eligible.
Prescription Eyewear
Frames, premium lenses (including ZEISS and Essilor), progressive lenses, anti-reflective coatings, and blue-light blocking technology are covered as long as they contain a prescription.
Prescription Sunglasses
Need a dedicated pair of sunglasses for driving or the beach? As long as they have your prescription in the lenses, they are a qualified medical expense.
Contact Lenses
Daily disposables, monthly lenses, and even highly specialized Medical Necessity Scleral lenses for Keratoconus are all eligible expenses.
Dry Eye Therapy
Advanced in-office clinical treatments for dry eye (such as InMode Envision, RF, and IPL) are medical therapies. *Occasionally, an administrator may ask for a Letter of Medical Necessity, which Dr. Fouladian is happy to provide.
Medical Copays & Imaging
You can use your card to pay for your medical insurance deductibles, specialist copays, and advanced diagnostic imaging (like OCT nerve scans or Optomap retina scans).
Invest in Your Vision Today
Whether you need an annual exam, a backup pair of glasses, or an annual supply of contacts, put your pre-tax dollars to work before they expire.
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