If you have a cataract, will your Medicare insurance provide any coverage? The answer is Yes, as long as you’re enrolled in Medicare Part B, and your doctor feels a procedure or treatment is medically necessary.
Medicare coverage for cataract surgery:
Cataract surgery is a safe solution that provides long-lasting relief from cataract symptoms. This outpatient surgery replaces the natural lens with an artificial lens that cannot develop a new cataract. It’s a fairly common procedure and incredibly effective.
And since the Medicare-eligible age group is so affected by cataracts, Medicare Part B will pay for many expenses directly related to the cataracts. Medicare will cover fees from the ophthalmologist, including pre-surgery exam, anesthesia, and follow-up care. Individuals must simply pay 20% Medicare coinsurance after reaching the Part B deductible.
NOTE: A Medicare Advantage plan or Medicare Supplement (Medigap) insurance plan may provide greater coverage and lower your out-of-pocket costs for cataract surgery.
Medicare coverage for non-surgical cataract treatments:
In some cases, surgery is not required. Talk with your doctor about alternative treatment options. Then you can determine which non-surgical treatments Medicare will cover, based on necessity and type of cataract.
Medicare coverage for eyeglasses:
Though corrective lenses are not typically covered by Medicare, Medicare Part B will cover standard frames following cataract treatment. You’ll pay 20% of the Medicare-approved amount, and your Medicare Part B deductible. Outside of standard frames, individuals are responsible for paying the balance remaining from the Medicare-approved amount if specialized lenses are needed. Again…a Medicare Advantage plan or Medicare Supplement (Medigap) plan can reduce the cost of these services.
Reference Links
www.medicare.gov
Eyeglasses & Contact Lenses
Neither Medicare Mindset LLC nor its agents are connected with the Federal Medicare program.
