In geographical terms the Caribbean area includes the Caribbean Sea and all of the islands located to the southeast of the Gulf of Mexico, east of Central America and Mexico, and to the north of South America.
An HSA is a special, tax-advantaged savings account you can use to pay for qualified medical expenses. You deposit money in your HSA, where it earns interest tax-free. Funds are not taxed when withdrawn for qualified medical expenses.
A vision exam is a basic eye exam, which usually includes dilation of the pupils, and measures a person's prescription (and need for) glasses. This measurement is called a refraction. Medical testing, such as visual field exams and retinal photography, are not covered by vision insurance plans.