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Every year the same thing happens: patients call in the last two weeks of December wanting surgery or an exam before their benefits reset, and the schedule is already full. If money matters to you, and it should, the planning happens in November.
Why year-end timing changes what you pay
- If you have already met your deductible, your share of covered care is usually at its lowest for the rest of the calendar year
- Flexible spending account dollars are typically use-it-or-lose-it at year end, with limited grace periods
- Health savings account funds roll over, but they can still be spent now on qualified eye care
- Deductibles and out-of-pocket maximums reset on January 1, which is why January procedures often cost more
What eye care commonly qualifies
- Comprehensive eye exams and contact lens fittings
- Prescription glasses and prescription sunglasses
- Medically necessary procedures, subject to your plan
- LASIK and other elective vision correction, typically with FSA or HSA funds
- Cataract surgery, where the covered portion depends on your plan and your deductible status
Plan rules vary, so confirm with your administrator. Our team can tell you what we bill and what is typically out of pocket, and our insurance page lists accepted plans.
A realistic timeline
For surgery, the evaluation has to happen first, and measurements, clearance and scheduling take time. Starting in early November gives you room. Starting December 20 usually does not.
For glasses or contacts, an exam plus ordering time means the first half of December is the practical cutoff for most prescriptions.
Frequently asked questions
Can I use FSA money for LASIK?
LASIK is generally an eligible expense for FSA and HSA funds. Confirm with your plan administrator, and note that many plans require the service to occur before the deadline, not merely be scheduled.
Does the date of surgery or the date of billing matter?
For most plans it is the date of service. If your timing is tight, say so when scheduling so we can be clear about what is realistic.
What if I cannot get in before the end of the year?
Then early January is often the better plan, so your costs count toward the new year’s deductible rather than straddling two.
Book before the calendar fills
Book an appointment online with St. Michael’s Eye & Laser Institute in Largo, or call (727) 202-2020. We have cared for Tampa Bay families since 1961.
