Is cataract surgery covered by medicare fully?

While medicare does not pay for routine eye exams, eyeglasses, or contact lenses, one tends to check if Medicare covers cataract surgery. Well, it does cover the diagnosis and treatment of chronic eye conditions like cataracts. It also covers post-surgery treatment, including corrective lenses.

Medicare Part A helps pay for inpatient hospitalization services. Typically, cataract surgery does not to need stay in the hospital. Still, in cases where hospitalization becomes a medical necessity due to complications, then Medicare Part A will pay for your expenses for additional accommodation.

Medicare Part B helps pay for outpatient healthcare services. Medicare covers corrective lenses if cataract surgery is performed to implant an intraocular lens. Also, corrective lenses include one pair of eyeglasses with standard frames or one set of contact lenses. 

While medicare pays 80% of the expenses, you bear 20% of the costs plus your medicare deductible. Medicare pays for the following services:

  • Pre-operative exam
  • Surgery to remove a cataract
  • Implantation of basic intraocular lens
  • Post-operative exam
  • Post-operative prescription essential eyeglasses or contact lens

 

Medicare covers cataract fully well, and so you need not worry if Medicare covers cataract surgery or not. It is essential to have a Medigap or Medicare Supplemental plan to ensure that out of pocket expenses are sufficiently covered.

To ensure you have no surprises to understand if Medicare covers cataract surgery, you must contact our advisors at www.askhpm.com for further guidance.