As the end of the year approaches, many patients seek ways to maximize their healthcare benefits, including using Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs). If you’ve been considering vision correction surgery, specialty contact lenses, or other advanced eye care treatments, now is the time to take advantage of these tax-free funds before they expire.
At Chicago Cornea Consultants, we are committed to helping our patients optimize their benefits while prioritizing their eye health. We hope this blog will do just that!
What Is an HSA and How Can It Help with Vision Care?
A Health Savings Account (HSA) is a tax-advantaged account that allows individuals with a high-deductible health plan (HDHP) to set aside pre-tax money for qualified medical expenses.
Unlike FSAs, HSAs do not have a strict year-end expiration—funds roll over from year to year, making them an excellent long-term resource for vision care.
If you have an HSA, you can use it to cover a wide range of eye-related expenses, including:
- LASIK, PRK, SMILE, and other refractive surgeries
- Premium intraocular lenses (IOLs) for cataract surgery
- Specialty contact lenses for keratoconus and other corneal conditions
- Dry eye treatments, including LipiFlow and IPL therapy
- Prescription eyewear and sunglasses
- Co-pays and deductibles for ophthalmic consultations and procedures
The Importance of Using Your HSA Before Year-End
While HSAs roll over, many employers set contribution limits and may require funds to be used for specific expenses before the year closes. Additionally, FSAs typically operate on a "use it or lose it" basis, meaning unused funds may expire at the end of the year or have a limited grace period.
By scheduling your procedure before December 31st, you can:
- Maximize your tax savings
- Reduce out-of-pocket costs for elective procedures
- Take advantage of end-of-year availability before the new insurance cycle begins
- Start the new year with clear, improved vision
How to Use Your HSA for Eye Care at Chicago Cornea Consultants
- Confirm Coverage
Contact your HSA provider to verify which vision services qualify under your plan. - Schedule a Consultation
Book an appointment with our specialists to discuss procedures like LASIK, custom cataract surgery, or advanced contact lens fittings. - Plan Your Procedure
Secure your treatment before the year ends to maximize your benefits. - Use Your HSA Card or Reimbursement Option
Pay directly with your HSA card or submit receipts for reimbursement.
Don’t Let Your Benefits Go to Waste!
If you’ve been considering vision correction or specialized eye care, now is the time to act. At Chicago Cornea Consultants, our board-certified, fellowship-trained ophthalmologists are recognized leaders in refractive surgery, corneal disease management, and advanced eye care. With decades of combined experience and access to the latest surgical technology, we provide personalized, expert-driven treatment plans tailored to your needs.
Our team has been at the forefront of innovative procedures such as Contoura Vision LASIK, SMILE, and premium intraocular lens (IOL) technology for cataract surgery. We are also a trusted destination for keratoconus management, advanced contact lens fittings, and dry eye therapy. Patients from across the Midwest turn to us for our unmatched expertise, cutting-edge technology, and commitment to optimal vision outcomes.
By utilizing your HSA or FSA funds before the year ends, you’re not just making a financial decision but investing in your long-term vision and quality of life. Schedule your consultation today and trust the experts at Chicago Cornea Consultants to provide world-class vision care with proven results.
