Does Medicare Cover A Cataract Surgery?
Although the original Medicare Part A and Part B do not provide coverage for vision or routine eye care, they do help pay for a cataract surgery. A cataract surgery may be needed when the cataract has or is causing vision loss that has an effect on day to day activities such as household tasks, driving, or reading.
What is a Cataract?
A cataract is a clouding of the lens in your eyes. Cataracts in the early stages are small and have little to no effect on the vision. However, such cataracts can be detected in an eye exam.
As the cataract grows overtime it begins to cloud more of the lens in your eyes and has an increased impact on your vision. Vision changes that are generally caused by a cataract include:
Faded or dull colors
Bright glares from objects such as headlights, lamps, or sunlight
Difficulty seeing at night times
Difficulty seeing in environments with low lighting
Although the impact of a cataract can be small at the early stages, it can prove to be a major health concern over time. As the cataract grows over time it begins to cause significant disorientations in your sight which can often lead to poor decision making. It’s important to understand that the effects of a cataract may be minimal at the beginning, but a worsening condition over time can become harmful to you and loved ones around you.
Cataract Surgery and Medicare
As mentioned earlier, the original Medicare Parts A and B do not provide coverage of vision or routine eye care, but Medicare does help you pay for a cataract surgery.
Once your Part B deductible is met, Medicare Part B will cover 80 percent of the Medicare approved costs for a cataract surgery. Along with the coverage for a cataract surgery by
Medicare, a Medicare Supplement Plan can help you pay for some or all of the costs as well. The coverage for a cataract surgery with a Medicare Advantage Plan may vary based on the plans. Most of the Medicare Advantage Plans offer coverage for routine eye care as well.
Since the coverage and cost of a cataract surgery with Medicare varies on a lot of different factors such as the Part B deductible and Medicare Advantage Plans it’s important that you speak to a Medicare Insurance agent for a better understanding of what the Medicare coverage for a cataract will be for you.
Need More Information
We work as Independent Insurance Brokers, and have been appointed by many of the major insurance carriers. We can help you find the best policy for your individual situation. We work with clients in Winchester, VA, Martinsburg, WV, and Charles Town, WV.
For more details, please feel welcomed to contact us today at (540) 662-4432, and talk to one of our Insurance agents or simply visit our website medicaretrustedagents.com to obtain more information.