As the year draws to a close, many of us are busy with holiday preparations, but there’s one important task you shouldn’t overlook—making sure you use your benefits before they expire. If you have vision care benefits through your employer, insurance plan, or health savings account (HSA), now is the time to make sure you’re taking full advantage of them.
At Erin Ridge Vision Care, we understand that it’s easy to get caught up in the hustle and bustle of the season, but don’t let your benefits go to waste. These benefits can help you save money on eye exams, prescriptions, and even corrective treatments, and they’re available for a limited time only. This blog will highlight the types of vision care benefits that commonly expire at year-end and why it’s so important to use them before they’re gone.
Why Do Vision Benefits Expire?
Vision benefits are often tied to your annual plan or benefits year, which typically runs from January 1st to December 31st. Many insurance plans, employer-provided benefits, and health spending accounts offer annual allowances for eye exams, glasses, contact lenses, and other eye care services. However, if these benefits aren’t used by the end of the year, they may expire, meaning you lose the chance to access them until the next benefits cycle begins.
For many people, the end of the calendar year marks a “use it or lose it” situation with benefits—whether it’s for vision care or other medical services. So, now is the time to take advantage of the benefits you’ve been given, whether it’s for your own eye health or for the well-being of your family.
Common Vision Care Benefits That Expire
As we wrap up the year, here are some of the most common vision benefits that may expire, and why it’s important to use them:
- Annual Eye Exams: If your insurance plan covers annual eye exams, make sure to schedule yours before the year ends. Regular eye exams are vital for maintaining your eye health, detecting early signs of eye diseases, and updating prescriptions for glasses or contacts. If you haven’t had your exam yet, now’s the time to get it done and make sure your vision is in top shape for the new year.
- Glasses and Contact Lens Allowances: Many vision plans provide an allowance for glasses or contact lenses each year. If you haven’t used your full allowance, you could be leaving money on the table. Whether you need a new pair of glasses, a backup set, or an update to your contact lens prescription, now is the time to take advantage of these benefits before they expire.
- Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs): If you have a flexible spending account (FSA) or health savings account (HSA), these accounts allow you to set aside pre-tax dollars for medical expenses, including vision care. However, many FSAs and HSAs are subject to a “use it or lose it” rule, meaning that funds left unused by the end of the year may expire. Make sure to check your balance and use any remaining funds for eye care services, glasses, or contacts before the year ends.FSAs and HSAs are a great way to save on vision care costs, as they allow you to pay for eligible expenses with tax-free dollars. Be sure to use up any remaining funds on essential eye care items before they’re lost.
- Discounts and Promotional Offers: Some vision insurance plans or providers, including Erin Ridge Vision Care, may offer seasonal promotions or year-end discounts on eyewear and other services. These discounts may be available only for a limited time, so be sure to take advantage of them before they expire.
The Importance of Regular Eye Exams
Even if you don’t have any immediate vision concerns, annual eye exams are essential for maintaining good eye health. Many common eye conditions, such as glaucoma, macular degeneration, and diabetic eye disease, often have no symptoms in their early stages. A comprehensive eye exam can help detect these conditions before they cause permanent damage, ensuring that you catch any potential issues early.
Here are just a few reasons why you should schedule your eye exam before your benefits expire:
- Early Detection of Eye Diseases: Eye exams can catch early signs of eye diseases like glaucoma, cataracts, and macular degeneration, which may not have obvious symptoms until they’re advanced.
- Updated Prescriptions: If you wear glasses or contacts, a regular eye exam will ensure your prescription is up-to-date, which is crucial for maintaining clear and comfortable vision.
- Preventive Health: Eye exams are not just about checking your vision—they also screen for signs of serious health conditions like high blood pressure, diabetes, and certain types of cancer.
Tips for Making the Most of Your Vision Benefits
As the year winds down, here are a few tips to help you make the most of your vision benefits before they expire:
- Check Your Benefits: Before you forget, review your vision care benefits to see what’s covered and what remains unused. This includes checking your vision allowance for glasses, contacts, and eye exams. If you’re unsure about your coverage or benefits, contact your insurance provider or employer’s HR department.
- Schedule Your Eye Exam: Don’t wait until the last minute—schedule your eye exam as soon as possible to ensure you get an appointment before your benefits expire. At Erin Ridge Vision Care, we offer flexible hours and convenient appointment options, making it easy for you to get the care you need.
- Order New Glasses or Contacts: If your prescription has changed or you’re due for new glasses, make sure to order them before the end of the year. If you still have unused funds in your vision care allowance or FSA/HSA, now’s the time to take advantage of them.
- Use Your HSA/FSA Funds: If you have an HSA or FSA, check your balance and use any remaining funds for eligible vision care expenses. This can include eye exams, glasses, contacts, and even prescription sunglasses. Be sure to take full advantage of your tax-free benefits before the year ends.
- Ask About Promotions: Don’t forget to ask about any special promotions, seasonal discounts, or sales that may be available for eyewear, contact lenses, or other services. Many optometrists, including Erin Ridge Vision Care, offer end-of-year promotions to help you make the most of your benefits.
As we approach the end of the year, don’t let your vision benefits go to waste. Whether it’s scheduling a much-needed eye exam, getting new glasses or contacts, or using your FSA/HSA funds, taking action now can help you save money, maintain good eye health, and ensure your vision stays sharp for the year ahead.
At Erin Ridge Vision Care, we’re here to help you make the most of your benefits and ensure your eye health is a top priority. If you haven’t scheduled your eye exam yet or need to make use of your benefits, give us a call today. Let’s end the year on a clear and healthy note!
