Use Your Vision Benefits Before They Expire: What You Should Know

As the calendar year winds down, it’s time to check a crucial box on your to-do list: using your vision benefits and Flexible Spending Account (FSA) funds before they expire. For many plans, the clock resets on January 1st, meaning unused funds and benefits are simply lost. Don’t let your hard-earned money and valuable coverage disappear!

Here are the key ways to maximize your remaining benefits:

• Schedule Your Annual Eye Exam: Most vision insurance plans cover one comprehensive eye exam per year. This visit is essential not only for updating your prescription but also for detecting serious conditions like glaucoma, cataracts, or diabetic eye disease early.

• Get New Eyewear: Have you been putting off getting new glasses or a backup pair? Your plan likely includes an allowance for frames, lenses, or contact lenses. Use it now to upgrade your style or prescription.

• Invest in Lens Upgrades: Vision benefits often cover or discount lens enhancements that make a huge difference in comfort and clarity, such as anti-reflective coatings (to reduce glare for night driving) or blue light filters (for digital eye strain).

• Empty Your FSA/HSA: FSA funds are typically “Use It or Lose It.” These funds can cover copayments, deductibles, prescription glasses, contact lenses, and even prescription sunglasses. Health Savings Account (HSA) funds roll over, but using them now frees up funds for next year.

Don’t wait until December when appointments fill up quickly.