Understanding the basics: Insurance, Vision Plans & FSA

You've probably received a lot of email or text reminders about FSA benefits from doctors' offices this time of year. So what exactly is FSA? We're talking about Vision insurance or Flexible Spending Accounts (FSAs). At Clear Perspective EyeCare we want to make sure you get every dollar of value from your vision care coverage—whether it’s for an annual exam, a fresh pair of glasses, contact lenses or specialty lenses/coatings.

Understanding the basics: Insurance, Vision Plans & FSA

Vision Insurance generally covers routine eye exams, frames, lenses and contact lenses under a separate benefit from your medical plan. 

Flexible Spending Account (FSA) is a tax‐advantaged account where you set aside pre-tax dollars for eligible healthcare expenses, including vision care. 

How Clear Perspective EyeCare helps you maximize those benefits

• We accept most major vision insurance and will check your eligibility with you, so you know in advance what your coverage provides (exam, frames, lenses, allowances, etc.).

• We accept FSA / HSA funds for qualifying vision expenses—frames, prescription sunglasses, lens upgrades (anti-glare, photochromic), contact lenses and more. 

• We’ll walk you through how insurance + FSA can work together!

Key tips for using your vision insurance + FSA effectively

1. Know your benefit period: Many vision plans are annual (once every 12 months) for exam + lenses + frame allowance. If you don’t use them within the period, you lose them. 

2. Use your FSA early: Since many FSAs are use-it-or-lose-it (or only allow a small carryover), it’s wise to plan major vision purchases so you don’t forfeit funds. 

Schedule your exam before the end of 2025! Call us (505) 219-3113 or visit clearperspectivenm.com