Maximizing FSA, HSA, or Vision Insurance Benefits with MEGANE

When it comes to purchasing quality eyewear, your FSA, HSA, or vision insurance benefits can make a meaningful difference. Many people don’t realize how much they can save or which purchases qualify until it’s too late. At MEGANE Elevated Optical in Costa Mesa, we help guests from Newport Beach, Irvine, and surrounding areas navigate these benefits with ease, whether they are buying prescription glasses, sunglasses, blue-light lenses, or upgrading lenses in a favorite frame.

This guide explains what qualifies, how to use your benefits, and how to get reimbursed for out-of-network claims - all while enjoying the elevated, personalized experience MEGANE is known for.

What You Can Use FSA or HSA Dollars For

Both FSA (Flexible Spending Accounts) and HSA (Health Savings Accounts) allow you to use pre-tax dollars for medically necessary vision expenses. Great news: that includes far more than most people expect.

At MEGANE, you can use FSA or HSA funds for:
• Prescription Eyeglasses - Single vision, progressives, reading glasses, all qualify.
• Prescription Sunglasses - Yes, Rx sunglasses count as a medical expense.
• Lens Replacement - If you love your current frame, use FSA/HSA to upgrade the lenses only.
• Blue Light Lenses - Qualify if they include your prescription.
• Premium Lens Upgrades - Anti-reflective coatings, high-index materials, polarized lenses, photochromic lenses, and digital-relief designs.
• Eye Exam Fees - If you get your eye exam before visiting us, this also qualifies.

If you’re unsure whether a purchase qualifies, we’re happy to help clarify. Most items do when they are prescription-based.

End-of-Year Reminder: Don’t Lose Your FSA Dollars

Unlike HSAs, many FSA funds expire at the end of the calendar year or offer a small rollover. If you’re approaching December, it’s the perfect time to:

• Upgrade your lenses
• Replace scratched or outdated glasses
• Finally invest in prescription sunglasses
• Treat yourself to frames you've been eyeing
• Pick up a second pair for work, driving, or digital use

We help many Costa Mesa and Newport Beach clients maximize the last of their benefits before they disappear.

Can I Use My Vision Insurance at MEGANE?

Yes - even if we are out-of-network, you can still use your insurance and get reimbursed.

MEGANE Elevated Optical provides:
• Itemized receipts for reimbursement
• Detailed lens & frame codes
• Step-by-step help filing your claim

You still get the freedom to choose independent eyewear brands, handcrafted Japanese frames, and premium lenses like HOYA and SEIKO — without being limited by insurance-restricted selections.

Most clients are reimbursed for:
• Frames
• Prescription single vision lenses
• Prescription progressive lenses
• Lens upgrades (AR coating, premium materials, blue light, etc)

Reimbursement amounts vary by provider, but many customers get back $80 - $200+ depending on their vision plan and benefits.

How to File an Out-of-Network Insurance Claim

It’s much easier than most people think. Here’s what you’ll need:
1. Your itemized MEGANE receipt - We include all details the insurance company requires.
2. Your insurance provider’s out-of-network claim form - Most can be submitted online.
3. A photo of your prescription - We always recommend keeping a digital copy for quick filing.

Many customers file their claim while still in the boutique, and we can assist you with the submission - It only take a few minutes.

Make the Most of Your Benefits This Year

Whether you’re using FSA, HSA, or vision insurance, MEGANE Elevated Optical is here to make the process easy and rewarding. Visit us in Costa Mesa - just steps from Milligram Coffee in Paseo 17 - and let’s make sure your benefits work for you, not the other way around.

Josh & Ash
MEGANE Elevated Optical