How to use your HSA
What Is an HSA (Health Savings Account)?
An HSA is a personal savings account you can use to pay for eligible medical expenses including prescription glasses, reading glasses, and eye exams. Because it’s funded with pre-tax dollars (and rolls over year to year), it’s one of the simplest ways to save on vision care.
How an HSA Works
Your HSA is linked to a high-deductible health plan (HDHP) and lets you set aside pre-tax dollars for qualified health expenses. Unlike FSAs, the money in your HSA is yours to keep. Your money rolls over each year and can even be invested.
You can use HSA funds on:
- Prescription eyeglasses
- Prescription sunglasses
- Reading Glasses
- Lens upgrades (progressives, anti-reflective, blue-light filtering, etc.)
- Other qualified medical/vision expenses (contact lenses, eye exams)
Three ways to use your benefits
Maximizing Your Benefits
Invest in eyewear you'll love while making the most of your HSA benefits. Eligible pre-tax funds can be used toward Loci eyewear, prescription lenses, and premium lens upgrades.
Using Your HSA/FSA Benefits
Using your HSA/FSA is simple. Most HSA/FSA cards work just like any other payment card and can be used directly at checkout for eligible purchases.
- Pay at Checkout
Enter your HSA card just as you would any major credit card.
- Keep Your Receipt
Many HSA/FSA providers allow you to upload and store receipts for future reimbursement or recordkeeping.
What’s the Difference Between an HSA and an FSA?
If you’re comparing the two, here’s the quick version:
- HSAs require a high-deductible health plan while FSAs do not.
- HSA funds roll over forever. FSA funds expire annually (mostly).
- Both can be used for glasses, contacts, and exams.
If you have both accounts, you can use either for eligible eyewear purchases.
Frequently Asked Questions
Are Loci glasses covered by my insurance?
Yes. You can use vision insurance benefits toward eligible prescription eyewear, including prescription readers. Coverage and reimbursement amounts vary by provider and plan. If reimbursement is required, we’ll provide an itemized receipt with the information needed to submit your claim. HSA and FSA funds can be used directly at checkout for eligible purchases. Learn more
Are Loci glasses HSA and FSA eligible?
Yes. Loci prescription eyewear, reading glasses, and prescription sunglasses are generally eligible for HSA and FSA spending. Simply check out as normal and keep your receipt for your records.
How do I use my vision benefits?
Use our vision benefits page to submit your eyewear purchase to your insurance provider for reimbursement. Coverage and reimbursement amounts vary by provider and plan.
Can I submit an out-of-network claim?
Yes.If direct benefits are unavailable, you may be able to submit your purchase for reimbursement. Learn more
What documentation will I receive for reimbursement?
We'll provide an itemized receipt containing the information typically required for reimbursement submissions.
