Refractive Lens Exchange (RLE)

Is Refractive Lens Exchange covered by HSA in Canada?

Yes, Refractive Lens Exchange (RLE) is eligible for reimbursement through a Health Spending Account (HSA) in Canada.

RLE, also known as Clear Lens Exchange or Lens Replacement Surgery, is a vision correction procedure that replaces your eye's natural lens with an artificial intraocular lens (IOL).

What RLE Expenses Are Covered?

The Procedure

• Pre-operative consultations and comprehensive eye exams
• The RLE surgery itself (both eyes)
• The intraocular lenses (IOLs)
• Post-operative follow-up appointments
• YAG laser capsulotomy if needed later

Related Costs

• Diagnostic testing (biometry, OCT scans)
• Prescription eye drops and medications
• Premium IOL upgrades (multifocal, toric, extended depth of focus)

What is RLE?

Refractive Lens Exchange is essentially the same procedure as cataract surgery, but performed before cataracts develop:

• Lens replacement: Your natural lens is replaced with an artificial IOL
• Permanent: Results are long-lasting and won't regress
• Prevents cataracts: You won't develop cataracts since the natural lens is removed
• Presbyopia correction: Can correct reading vision with premium IOLs

Who is RLE For?

RLE is typically recommended for:

• Age 45+: Especially those with presbyopia (difficulty reading)
• High prescriptions: When LASIK isn't suitable
• Early cataracts: Beginning cataract formation
• Thin corneas: When laser procedures aren't an option
• Those wanting to prevent cataracts: Proactive lens replacement

Types of IOLs Available

All IOL types are HSA eligible:

• Monofocal: Clear vision at one distance
• Multifocal: Multiple focus points for near and far
• Toric: Corrects astigmatism
• Extended Depth of Focus (EDOF): Smooth range of vision

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 RLE 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 RLE on my HSA?

Yes, RLE 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 intraocular lenses.

Are premium IOLs covered?

Yes, all types of IOLs are covered, including premium multifocal and toric lenses, which typically cost more than standard monofocal lenses.

What's the difference between RLE and cataract surgery?

The procedure is essentially the same. RLE is performed electively before cataracts develop, while cataract surgery removes clouded lenses. Both are HSA eligible.

Do I need a prescription or referral?

No, you do not need a prescription or referral to claim RLE. 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.