ICL (Implantable Collamer Lens)

Is ICL covered by HSA in Canada?

Yes, ICL (Implantable Collamer Lens) is eligible for reimbursement through a Health Spending Account (HSA) in Canada.

ICL is a vision correction procedure that involves implanting a lens inside the eye, often called an "implantable contact lens."

What ICL Expenses Are Covered?

The Procedure

• Pre-operative consultations and comprehensive eye exams
• The ICL surgery itself (both eyes)
• The implantable lenses
• Post-operative follow-up appointments
• Any adjustments or replacements if needed

Related Costs

• Diagnostic testing (eye measurements, anterior chamber depth)
• Prescription eye drops and medications
• YAG laser treatment if needed post-procedure

What is ICL?

ICL (Implantable Collamer Lens) is different from laser eye surgery:

• Additive: A lens is implanted rather than reshaping the cornea
• Reversible: The lens can be removed or replaced if needed
• High prescriptions: Ideal for severe myopia (-3 to -20 diopters)
• Thin corneas: Great option when LASIK isn't suitable
• Dry eye friendly: Doesn't affect tear production like some laser procedures

Who is ICL For?

ICL is often recommended when:

• Prescription is too high for LASIK (-8 to -20 diopters)
• Corneas are too thin for laser procedures
• Patient has dry eye concerns
• Patient wants a reversible procedure
• Age 21-45 (typical candidate range)

Requirements

• Prescription Required: No prescription needed for the procedure itself.
• Documentation: Keep your receipt from the eye surgery clinic showing the procedure, date, and amount paid.

How to Claim

1. Pay for your ICL procedure
2. Keep your receipt from the eye surgery clinic
3. Submit your claim through the Frontier HSA app
4. Receive tax-free reimbursement within 2-3 business days

Frequently Asked Questions

Can I claim ICL on my HSA?

Yes, ICL is a CRA-eligible medical expense that can be claimed through a Health Spending Account. This includes the full cost of the procedure and the implantable lenses.

Is ICL more expensive than LASIK?

Yes, ICL is typically more expensive than LASIK because it includes the cost of the implantable lenses. However, both are fully eligible for HSA reimbursement.

What about Visian ICL or EVO ICL?

Yes, all types of implantable collamer lenses (including Visian ICL and EVO ICL) are eligible medical expenses.

What if I need the lens replaced?

If you need lens replacement or removal in the future, these procedures are also eligible medical expenses.

Do I need a prescription or referral?

No, you do not need a prescription or referral to claim ICL. You just need to receive treatment from a licensed ophthalmologist or eye surgery clinic.

How much can I claim?

You can claim the full amount up to your annual HSA limit. There are no co-pays, deductibles, or percentage limits.