As the year winds down, it’s easy to forget about unused benefits. But your vision insurance might cover more than you think, and if you don’t use it, you’ll lose it.
Why Vision Benefits Don’t Roll Over
Most vision insurance plans, including those through work—reset at the end of the calendar year. If you haven’t used your annual eye exam, contact lens allowance, or eyewear benefits, they disappear on January 1.
That means you could be missing out on:
- A fully covered eye exam
- Discounts or coverage on new glasses
- Allowances for contact lenses
- FSA or HSA funds you’ve already paid into
At Dr. Michael J Haynes in Monroe, we help patients take full advantage of their plans before time runs out. Whether you’re due for your annual checkup or thinking about updating your glasses, now’s the perfect time to make it happen.
What Can You Use Your Vision Benefits On?
Your plan may cover more than you realize. Here are a few ways to get the most value from your vision insurance:
- Comprehensive eye exams: These help detect early signs of conditions like glaucoma, cataracts, or diabetic retinopathy.
- Prescription glasses or sunglasses: Use your frame and lens allowance to upgrade your look or add lens coatings like blue light or anti-glare.
- Contact lenses: Whether you prefer daily or monthly lenses, your insurance likely covers part of the cost.
- Dry eye evaluations and treatment: If your benefits include medical eye care, now’s a great time to address chronic irritation.
Why You Should Schedule Your Eye Exam Before Year-End
Appointments fill up quickly at the end of the year. With many patients trying to use their benefits before they expire, it’s smart to schedule early to lock in your preferred time—especially if you need glasses or contact lenses ordered before your plan resets.
At Dr. Michael J Haynes, we make it easy to:
- Book a full eye exam
- Browse our selection of stylish designer frames
- Use your FSA or HSA dollars on prescription sunglasses or specialty lenses
- Get fitted for contact lenses before the rush
Plus, our team is happy to check your insurance coverage and explain exactly what you have left to use. If you’ve been putting off care, now’s your moment to get back on track—without letting valuable benefits go to waste.
What Happens If You Don’t Use Your Vision Benefits?
Unfortunately, most vision insurance plans and FSA accounts operate on a “use it or lose it” model. If you don’t take advantage of the services or spending power you’ve earned, they won’t carry over into the new year.
That could mean:
- Paying out of pocket for a missed eye exam later
- Losing funds you’ve already contributed through payroll
- Missing your chance to replace aging or scratched glasses
- Skipping care that could catch a problem early
Whether you’ve got a flex spending account, vision insurance, or both—now is the time to put them to work for your eyes.
Don’t Let Your Vision Benefits Go to Waste.
Call 318-323-4994 or book your appointment online with Dr. Michael J Haynes in Monroe, LA. Let us help you use your insurance before the year ends—so you start the new year seeing your best.
FAQs About Using Vision Insurance Before Year-End
1. What happens if I don’t use my vision benefits before the year ends?
Most vision insurance plans and FSA funds reset annually. If you don’t use your benefits before the deadline, they expire and can’t be carried over into the next year.
2. What services are typically covered by vision insurance?
Most plans include a comprehensive eye exam, plus an allowance for prescription glasses or contact lenses. Some also include coverage for lens enhancements or contact lens fittings.
3. Can I use both my vision insurance and FSA together?
Yes! Many patients use insurance for exams and apply FSA funds toward copays, glasses upgrades, or additional pairs. Our team can help you combine both for maximum savings.
4. When should I schedule my appointment to beat the rush?
Late November through December is our busiest time. We recommend booking your appointment as early as possible to ensure availability before benefits reset.
5. Can I use my benefits on prescription sunglasses or blue light glasses?
Absolutely. If they include your prescription, they’re usually eligible under vision insurance or FSA plans. Ask our team to review your coverage and options.