As the end of the year approaches, it’s time to check your Flexible Spending Account (FSA). If you don’t use those funds by the deadline, you could lose them.
The good news? Vision care is one of the easiest ways to spend your remaining FSA dollars.
At Vision Care Direct, we believe you shouldn’t let any of your hard-earned money go to waste. Here’s everything you need to know to make the most of your FSA before it’s too late.
What Is an FSA?
A Flexible Spending Account is a smart way to pay for healthcare expenses using pre-tax dollars. Every paycheck, a set amount is taken out and placed into your FSA.
Since those contributions are made pre-tax, you save on income taxes. That makes your money go further. But there’s a catch: Most FSA plans operate on a use-it-or-lose-it basis. If you don’t use the funds by December 31st, they disappear.
Some plans allow a small carryover or a short grace period, but not all. Check your employer’s plan rules to avoid surprises.
What Vision Expenses Can You Cover with FSA Funds?
Vision care offers several ways to maximize your FSA dollars. Here’s what you can use them for:
- Eye Exams: Even if your vision feels fine, an annual eye exam can detect hidden health issues like diabetes or high blood pressure early on.
- Prescription Glasses and Sunglasses: FSA funds can cover new frames, so it’s the perfect time to refresh your look or buy a backup pair.
- Contact Lenses and Cleaning Solutions: You can stock up on lenses or order specialty options like toric or colored contacts.
- Blue Light Blocking Glasses: If you spend hours on digital screens, blue light lenses can help reduce eye strain and improve sleep.
- Lens Coatings: Use your funds for scratch-resistant, anti-reflective, or UV-protective coatings—enhancements that boost both comfort and durability.
If you’re enrolled in a Vision Care Direct membership plan, you already get affordable access to these products. Using your FSA funds in combination with your plan means even more savings.
Why You Should Book Your Eye Exam Now
Don’t wait until the last minute. Many eye care providers get fully booked as the year winds down.
Scheduling your exam early guarantees you a spot and reduces holiday stress. Plus, regular eye exams don’t just correct your vision—they help prevent bigger health problems down the line.
If you have a Vision Care Direct membership, you get access to comprehensive eye exams that can detect up to 18 eye and systemic diseases, all at a great value.
When you combine your VCD benefits with your FSA, you’ll reduce your out-of-pocket costs and avoid wasting any funds.
What Happens If You Don’t Use Your FSA Funds?
Unused FSA funds usually expire at the end of the year. That means any money you have set aside in your FSA will be lost.
Some plans offer a small carryover—typically around $500—or a short grace period of a couple of months. But not every employer includes these options, so it’s critical to check your plan details today.
At Vision Care Direct, we recommend using your FSA funds before December 31st to avoid losing money. That way, you can enjoy clear vision and peace of mind.
How to Make the Most of Your FSA
Here are a few tips to stretch your savings before the deadline:
- Book Your Appointment Today: Eye care providers fill up quickly in November and December, so don’t wait. Use the Vision Care Direct provider directory to find a local optometrist.
- Stock Up on Vision Products: Get a backup pair of glasses, order extra contact lenses, or upgrade to lenses with premium coatings.
- Plan Ahead for the Holidays: Sunglasses or specialty lenses make great gifts—and they’re FSA-eligible! Treat your loved ones or yourself.
When you combine your Vision Care Direct membership benefits with your FSA savings, you get the best of both worlds—affordable care now and fewer medical surprises later.
Don’t Let Your Dollars Go to Waste—Act Now!
If you don’t use your FSA dollars, you’ll lose them. Don’t let your savings slip away.
At Vision Care Direct, we’re here to help you maximize every penny. Book your exam, upgrade your eyewear, or stock up on supplies before it’s too late.
Use your FSA funds wisely—and enjoy clear vision all year long.
Need help finding a provider? Visit VisionCareDirect.com to search for local eye care professionals near you.