Are you considering cataract surgery or have you already had it? It's essential to know whether it is covered by Medicare. The cost of cataract surgery can be expensive, ranging from $3,500 to $4,900 per eye. This includes the surgery itself, the doctor's fee, the facility fee, the technical fees, and the supplies needed for the procedure. Some of the costs associated with cataract surgery are not covered by insurance. The type of lens used for cataract surgery can also significantly impact the cost.
Medicare
may cover some of the costs, but it's important to understand your coverage options before having the procedure. Costs of Cataract Surgery Without Insurance
Having cataract surgery can be expensive. Most insurance companies will cover standard cataract surgery with a monofocal intraocular lens (IOL). However, special artificial lenses such as toric IOLs may cost more. The cost of cataract surgery can be determined by several factors, including the type of IOL used, the location of the procedure, the surgeon's experience, and the amount of post-operative care required. In addition, the amount of insurance coverage varies by plan. Some insurance companies require advance approval and have deductibles. Cataract surgery is typically an outpatient procedure. However, complications may require follow-up surgeries that are not covered by insurance. Therefore, many eye care centers offer payment plans to make cataract surgery affordable. This includes the ability to spread the cost over time. Some insurance companies offer partial reimbursement for glasses after cataract surgery. However, other insurance companies require patients to pay a co-payment for the procedure. The co-payment may be as high as 20 percent of the total costs. Depending on your state, Medicaid may or may not cover cataract surgery. If you live in a state that does not cover cataract surgery, you may be able to find a government subsidy program to help cover the costs. You can also use a flexible spending account to pay for medical expenses not covered by your insurance. This account allows you to use your pre-tax income to pay for your medical expenses. Depending on the type of lens used, cataract surgery can cost several thousand dollars. The more complex the procedure, the higher the cost. A multifocal intraocular lens (IOL) can correct both distance and near vision. On the other hand, a premium IOL is expensive and can correct astigmatism and refractive error. Does Medicare Cover Vision Care After Cataract Surgery?
If you have Medicare and are considering cataract surgery, contact a Medicare representative before the procedure to find out how much the surgery will cost and whether your plan covers it. You can also use an HSA to cover the costs. HSAs allow you to divert pre-tax income from your job into a tax-free account. In 2019, the maximum contribution to an HSA was $2,500. Whether or not Medicare covers vision care after cataract surgery depends on your plan. Some plans offer coverage, while others are designed to save you money. Whether you're on a Medicare Supplement or a Medicare Advantage plan, it's essential to understand your coverage options. For example, Medicare may not cover your vision care needs, but it does protect several medically necessary services. The amount covered varies by plan, but most importantly Medicare covers eyeglasses and contacts and cataract surgery is covered.
