How to Use Your FSA for Eye Care and Eyeglasses Before the Deadline

Flexible Spending Accounts (FSAs) are one of the best ways to save money on vision care — but there’s a catch.

Most FSA dollars expire at the end of the year. If you don’t use them, you lose them.

The good news? Eye exams, eyeglasses, and contact lenses are all FSA-eligible, making the last few months of the year the perfect time to schedule an appointment and update your eyewear.

Below is your clear, simple guide to what you can purchase — and how to make the most of your FSA before it expires.

What Can You Buy with FSA Dollars?

FSAs let you set aside pre-tax money to cover qualified healthcare expenses, including many common vision care needs. Most patients don’t realize just how many eyewear items are eligible.

Here’s what your FSA dollars can typically be used for:

• Prescription eyeglasses (including prescription sunglasses)
• Prescription contact lenses
• Contact lens solution, cases, and rewetting drops
• Reading glasses
• Blue-light filtering lenses (when tied to a prescription)
• Replacement lenses
• Eyeglass repairs or adjustments
• Comprehensive eye exams

If you’ve been putting off updating your prescription, buying a backup pair, or trying a new style, your FSA can help you save significantly.

Why FSA Funds Expire — and What You Should Know

Most FSA plans follow a strict “use it or lose it” rule. That means any funds remaining in your account on December 31 are forfeited.

Some employers offer small exceptions:

• A short grace period (usually around 2½ months)
• A rollover allowance (typically up to $640)

But these options vary by employer. It’s best to check with your HR department so you know your exact deadline.

Either way, don’t wait until the final week of the year — appointments fill up quickly, and eyewear orders can take time.

Smart Ways to Spend Your FSA Funds

If you’re racing the clock or simply want to maximize your remaining balance, here are some practical, high-value ways to use your FSA dollars:

1. Get a Second Pair of Glasses

Whether it’s for work, driving, travel, or backup, having a second pair is more than convenience — it’s peace of mind.

You can experiment with a new look or keep a pair in your car or office.

2. Try Prescription Sunglasses

Driving into bright glare or low sun angles (especially here in Maine) can be tough without proper protection.

Prescription sunglasses shield your eyes from UV damage and enhance comfort — and they’re fully FSA-eligible.

3. Stock Up on Contact Lens Supplies

Your FSA doesn’t just cover lenses — it also covers solution, cases, and rewetting drops.
If you wear contacts regularly, this is a great time to replenish your supply for the year ahead.

4. Schedule Your Annual Eye Exam

If you haven’t had an eye exam in more than a year, now is the perfect time.

Comprehensive eye exams are FSA-eligible, and updated prescriptions ensure your glasses or contacts match your current vision needs.

5. Consider Specialty Lenses or Blue-Light Protection

If you spend hours on screens or frequently experience glare or headaches, you may benefit from:

• Anti-reflective (AR) coatings
• Blue-light filtering treatments (with prescription)
• Office or computer-specific lenses

These upgrades can significantly improve comfort and productivity — and they’re typically eligible when tied to a prescription.

Maximize Your FSA Benefits at Maine Optometry

At Maine Optometry, we make it easy to get the most out of your FSA before it expires. Our team can help you confirm eligible items, understand your benefits, and choose eyewear that fits your lifestyle and budget.

You’ll enjoy:

• A wide selection of stylish and budget-friendly frames
• Experienced opticians to guide your choices
• A broad range of contact lenses and specialty lens options for unique vision needs
• Transparent, itemized receipts for FSA reimbursement
• Seven convenient locations across the Greater Portland area in Maine

Don’t Let Your FSA Expire — Schedule or Stop By a Location Near You Today

You earned your FSA dollars — don’t let them go to waste.

With locations in Brunswick, Gorham, Freeport, Lewiston, Saco, Standish, and Windham, Maine Optometry makes accessing expert eye care and FSA-eligible eyewear simple and convenient.

Whether you need new glasses, prescription sunglasses, contact lenses, or an updated exam, we’re here to help you make the most of every dollar.