Can You Get Non-Prescription Sunglasses With Insurance?

Non-prescription sunglasses offer valuable protection from ultraviolet (UV) rays, leading many to wonder if they are covered by insurance. While direct coverage through traditional vision insurance plans is generally limited, alternative options exist for potential reimbursement or savings. Understanding these can help individuals make informed decisions about protecting their eye health.

Vision Insurance for Non-Prescription Sunglasses

Traditional vision insurance plans primarily focus on covering services and products that correct eyesight or address medical eye conditions. Most vision insurance plans provide coverage for prescription glasses and contact lenses, often including benefits for frames and standard lenses. However, direct coverage for non-prescription sunglasses is uncommon because these items are typically not considered medically necessary for vision correction.

Some vision insurance policies might offer limited benefits or discounts for non-prescription sunglasses, particularly if purchased from in-network providers. Certain plans may allow a general “frame allowance” to be applied towards non-prescription sunglass frames, effectively reducing the out-of-pocket cost. In rare cases where non-prescription sunglasses are deemed medically necessary, such as for severe light sensitivity or post-surgical recovery, some plans might offer coverage, often requiring clear documentation from an eye care professional. Always review your policy documents or contact your vision insurance provider directly to understand the terms and conditions.

Using Health Savings Accounts and Flexible Spending Accounts

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) offer a viable alternative for purchasing non-prescription sunglasses. These accounts allow individuals to set aside pre-tax money from their income for qualified medical expenses. Funds contributed to HSAs and FSAs are not subject to federal income tax, providing a tax advantage for eligible healthcare purchases.

Non-prescription sunglasses, especially those offering full UV protection, are generally considered qualified medical expenses under IRS guidelines. IRS Publication 502 outlines eligible medical expenses, which include items needed for medical reasons, such as eyeglasses. Since sunglasses with UV protection safeguard eyes from harmful UV rays, reducing the risk of conditions like cataracts and macular degeneration, they often meet the criteria. HSAs allow funds to roll over year to year, while FSAs typically have a “use-it-or-lose-it” rule, meaning funds may expire at the end of the plan year.

Steps for Utilizing Your Benefits

To utilize available benefits for non-prescription sunglasses, begin by verifying your vision insurance plan specifics. Contact your vision insurance provider or review your policy documents to confirm any allowances, discounts, or conditions for non-prescription eyewear, such as whether a frame allowance applies. Understanding these details upfront can prevent unexpected costs.

Next, check your Health Savings Account (HSA) or Flexible Spending Account (FSA) balances and confirm that non-prescription sunglasses with UV protection are considered an eligible expense by your plan administrator. While generally eligible, individual plan rules can vary, so direct confirmation is advisable. Many HSA/FSA plans provide a debit card for direct payment, simplifying the purchase process.

When ready to purchase, select an optical retailer that accepts your vision insurance or HSA/FSA payments. Many online and brick-and-mortar stores process these forms of payment. During the purchase, obtain an itemized receipt and any other necessary documentation, such as a doctor’s recommendation if required, for potential claims or reimbursement. If you paid out-of-pocket or your provider does not accept direct card payments, submit a claim to your vision insurance company or HSA/FSA administrator for reimbursement, attaching all required documentation. Reimbursement typically occurs within a few weeks.