HSA and FSA at checkout

Save 30% by using your HSA or FSA card

Prescription eyewear is a qualified medical expense under federal law. Your HSA or FSA card works at checkout on our Rx frames like any other card, with nothing extra to submit.

Illustrative math, not tax advice and not a discount. Your savings depend on your own tax rates and your plan.

See what is eligible How it works
A man in a straw cowboy hat and denim shirt sits on a horse, wearing COE Bandit sunglasses, in front of a large American flag.

How to pay with your HSA or FSA

Three steps, all of them inside the checkout you already use.

  1. Add your prescription frames to your cart

    Pick your frame, lens type and coating the same way you always do.

  2. Choose HSA or FSA at checkout

    It sits with credit card and the wallets, not off in a separate flow.

  3. Pay with the card you already have

    Prescription eyewear is a qualified medical expense on its own, so there is nothing extra to submit for HSA or FSA purposes.

How does paying with HSA or FSA save me 30%?

These accounts exist to allow you to pay with pre-tax dollars for items that treat a diagnosed health need. Prescription eyewear qualifies because it corrects a vision need diagnosed by an eye doctor. This is the IRS rule, and it applies to the item, not the store.

One hundred dollars of pay, followed two ways. Spending from your bank account: one hundred dollars you earn, then thirty dollars taken out in taxes, leaving seventy dollars to spend. Spending from your HSA or FSA: one hundred dollars you earn, no taxes taken out, leaving one hundred dollars to spend.

Price savings at COE

Move the slider to match your combined tax rate. The prices you see below are the current, live prices.

Combined means income plus payroll taxes. It differs by person, income and state.

Drifter Z87 Tortoise Rx
Drifter Z87 Tortoise Rx Price todayFrom $109.99 Your tax savings$32.99 What it costs you after that$77.00
Outrigger Z87+ Matte Black Rx
Outrigger Z87+ Matte Black Rx Price todayFrom $109.99 Your tax savings$32.99 What it costs you after that$77.00
Hard Money Z87 Matte Black Rx
Hard Money Z87 Matte Black Rx Price todayFrom $109.99 Your tax savings$32.99 What it costs you after that$77.00

Prices shown are the store's current prices.

Illustrative math, not tax advice and not a discount. Your savings depend on your own tax rates and your plan. Yearly contribution caps are in IRS Publication 969.

Shop with your HSA or FSA

Every pair of prescription frames below works with your HSA or FSA card at checkout. Pick your lens type and coating, and pay the same way you would with any other card.

The following prescription frames qualify for checkout using HSA/FSA funds:

Browse everything

Questions before you buy? Contact us.

The process is smooth and easy

No new account

No new account to open and no balance to top up. Bring the card your employer gave you.

Nothing extra to submit

Prescription eyewear qualifies on its own. There is no extra form or waiting period standing between you and checkout.

Your Rx stays with your order

Upload your prescription and pupil distance the same way you always do. That is a normal part of ordering Rx eyewear, not an extra HSA or FSA step.

Credit cards are still an option

Payment with a credit card is still an option, if you decide not to proceed with HSA/FSA.

Common questions

What are FSA and HSA accounts?

Both let you set aside money from your paycheck before taxes for eligible health expenses. An HSA is a health savings account and generally stays with you year after year. An FSA is a flexible spending account and usually has a yearly deadline. Not sure if you have one? Check with your employer or your benefits provider.

Can I use my HSA/FSA at COE?

Yes. Pick HSA/FSA in the payment list at checkout and pay with your HSA or FSA card the same way you would use any other card. Prescription eyewear qualifies on its own, so there is nothing extra to submit for HSA or FSA purposes.

Does every pair of glasses on this site qualify?

No. Prescription eyewear qualifies because it corrects a diagnosed vision need. Our non-prescription sunglasses and safety glasses are not a qualified medical expense, even when they share a frame style with one of our Rx models. COE marks the eligible frames on this page.

Can I use my regular credit card instead?

Yes. Every regular payment option is still there. You can also split an order: put part of it on your HSA or FSA card and the rest on a regular credit or debit card.

Are there any fees?

You pay the price on the product page. There is no extra charge at checkout for paying with your HSA or FSA card.

When should I use my FSA/HSA dollars?

Any time of year. HSA money generally stays with you year after year. FSA money usually has a deadline, and many plans run use it or lose it at the end of the year, so check your plan's dates before December.

I don't have an HSA/FSA. Can I still benefit?

You need one of those accounts to use pre-tax money. Many employers offer them during open enrollment, so it is worth asking. You can still check out normally with any card.

I don't live in the US. Can I still use this?

HSA and FSA are United States programs, so the pre-tax option only applies to US accounts. Everything on the site can still be bought the normal way.

Prescription eyewear is a qualified medical expense under IRS rules because it corrects a vision need diagnosed by an eye doctor. Not everything COE sells qualifies: non-prescription sunglasses and safety glasses are not a covered medical expense, even when they share a name or a frame style with one of our Rx models.

Your plan administrator, the company that runs your HSA or FSA, makes the final call on any claim, and plans differ.

COE is not a tax advisor, a medical provider, or a benefits administrator, and nothing on this page is tax, legal, or medical advice. For questions about your account or a claim, contact your plan administrator. For tax questions, talk to a tax professional.

There is a yearly cap on how much you can put into one of these accounts. The IRS publishes the current numbers in Publication 969.

See what is eligible