Paying for smart glasses: insurance, FSA & HSA options.

Payment options for smart glasses.

Thinking about upgrading to smart glasses, but worried about the cost? The good news is that with prescription lenses, there are multiple ways to pay using pre-tax benefits and insurance coverage.

Why prescription lenses matter.

When your glasses correct vision, they qualify as a medical device. This unlocks the ability to use:

• FSA (Flexible Spending Account) funds,
• HSA (Health Savings Account) contributions, or
• vision insurance benefits to cover part of the purchase.

That means you can enjoy advanced eyewear while saving money on taxes.

Understanding health spending accounts (FSA & HSA).

FSAs and HSAs are tax-advantaged accounts that let you set aside pre-tax dollars for qualified medical expenses, including prescription eyewear. While they share this goal, they have key differences in eligibility, rollover rules, and portability.

Choosing the right account helps you stretch your budget. For a complete breakdown of how these accounts work, what the deadlines are, and which one is right for you, please see our guide to using FSA & HSA for prescription glasses.

Are smart glasses eligible for FSA/HSA?

Yes—when prescription lenses are included.

Under IRS Publication 502, prescription glasses and lenses are considered deductible medical expenses. The "smart" technology alone wouldn't qualify, but when integrated into your prescription eyewear, the full cost is generally eligible.

What's typically covered.

• Prescription lenses tailored to your vision.
• Smart glasses frames as part of prescription eyewear.
• Integrated smart tech (covered with frames as one device).
• Eye exam costs for your prescription.
• Bundled accessories (may qualify if included in eyewear package—always confirm with your plan administrator).

How to apply benefits.

1. Get your updated prescription from your optometrist.
2. Pay for your glasses (some merchants may accept FSA/HSA card directly, but for Even G1 you need to seek reimbursement later).
3. Submit an itemized receipt to your FSA/HSA plan for reimbursement.

Please contact us to obtain an itemized receipt. At the same time, prepare your Explanations of Benefits (EOBs) if you utilized vision insurance, as well as copies of your prescription. Please note that a Letter of Medical Necessity (LOMN) is not required for Even G1 prescriptions.

Vision insurance and smart glasses.

Vision insurance can also reduce your cost, especially for the prescription eyewear portion.

What's covered.

• Prescription lenses: covered per your plan (single-vision, progressive, coatings, etc.).
• Frames: most plans offer a frame allowance.
• Smart features: usually not itemized separately—treated as part of frame cost.

In-network vs. out-of-network.

• Even Realities may be out-of-network for many plans.
• If so, you'll pay upfront and then file for out-of-network benefits reimbursement. Reimbursement may be less than in-network but is still worthwhile.
• Check your insurance provider for exact allowances.

How to maximize benefits for smart glasses.

Combining FSA/HSA with insurance (if applicable).

Here's a two-step approach that can significantly reduce your overall expense.

1. Use your vision insurance first for your smart glasses. This will typically cover a portion of the lens cost and apply your frame allowance.
2. Pay any remaining out-of-pocket costs for the eligible parts (prescription lenses, frames) using your FSA or HSA funds.

Example:

• Even G1 frame: $599
• Prescription lenses: $150
• Total = $749
• Insurance: $100 lens benefit + $130 frame allowance = $230
• Remaining = $519 → Pay with FSA/HSA funds.

Strategic timing for using FSA/HSA.

• FSA: Use expiring funds before year-end.
• HSA: Save and spend anytime—no rush.

Troubleshooting: common questions & claim denials.

Sometimes, even with the best planning, claims can hit a snag. Here's how to handle it.

What if my FSA/HSA claim for smart glasses is denied?

First, find out the specific reason for denial. Common reasons include:

• Missing prescription: Ensure you've submitted proof that your smart glasses include prescription lenses.
• Insufficient documentation: Your administrator might need a more detailed itemized receipt. For your Even G1 purchase, contact us at Even Realities and we can help provide what's needed.
• Ineligible item (if non-prescription): If you purchased non-prescription smart glasses, it simply won't be eligible.
• Plan-specific exclusions: Though rare for prescription eyewear, some very specific plans might have quirks.

Often, a denial can be resolved by providing more information. A quick call to your FSA/HSA administrator can usually clarify the issue.

What if my insurance claim for smart glasses components is denied?

Again, investigate the reason behind the claim denial.

• Out-of-network process: Make sure you followed their specific out-of-network submission process.
• Coverage limits exceeded: You may have used up your frame or lens allowance for the year.
• Non-covered service: Ensure the claim is for the prescription lenses and frame allowance, not explicitly for "smart technology."

Contact your insurance provider to understand the denial and see if resubmission with additional details is possible.

Final thoughts.

With the right approach, smart glasses can be more affordable than you think. Between insurance coverage, FSA/HSA funds, and proper timing, you can unlock valuable savings while enjoying advanced eyewear that supports your vision and daily life.

Always verify your coverage in advance, and keep all receipts handy—it's the easiest way to make sure you get reimbursed.

FAQs.

Disclaimer: This information is for general guidance only and not tax or insurance advice. Consult with your FSA/HSA administrator, insurance provider, or a qualified financial advisor for details specific to your plan and situation.