SMILE Laser Eye Surgery

Is SMILE laser eye surgery covered by HSA in Canada?

Yes, SMILE laser eye surgery is eligible for reimbursement through a Health Spending Account (HSA) in Canada.

SMILE (Small Incision Lenticule Extraction) is a newer, minimally invasive laser vision correction procedure that's becoming increasingly popular.

What SMILE Expenses Are Covered?

The Procedure

• Pre-operative consultations and comprehensive eye exams
• The SMILE surgery itself (both eyes)
• Post-operative follow-up appointments
• Any enhancement procedures if needed

Related Costs

• Diagnostic testing
• Prescription eye drops and medications
• Protective eyewear provided by the clinic

What is SMILE?

SMILE is a third-generation laser vision correction procedure that:

• Minimally invasive: Uses a small incision (2-4mm) vs LASIK's larger flap
• No flap: Reduces dry eye symptoms and eliminates flap complications
• Quick procedure: Typically completed in 10-15 minutes
• Fast recovery: Many patients see well within 24-48 hours

SMILE vs LASIK vs PRK

Feature	SMILE	LASIK	PRK
Incision	Small (2-4mm)	Flap (20mm)	No flap
Dry eye risk	Lower	Moderate	Moderate
Recovery	Fast	Fast	Slower
Pain	Minimal	Minimal	More discomfort

All three procedures are fully covered by your HSA.

Requirements

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

How to Claim

1. Pay for your SMILE 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 SMILE on my HSA?

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

Is SMILE more expensive than LASIK?

SMILE can be slightly more expensive than LASIK at some clinics, but both are fully eligible for HSA reimbursement regardless of cost.

What about SMILE PRO?

Yes, SMILE PRO (the latest version of the SMILE procedure) is also an eligible medical expense.

Do I need a prescription or referral?

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