Eye and vision problems become more and more common as we grow older. While 92% of Medicare beneficiaries wear glasses to correct vision issues, Original Medicare does not cover the cost of glasses, contact lenses, or routine eye exams.
If you’ve needed glasses before, you know that corrective lenses are vital to your wellbeing. Glasses and contact lenses help you see near and far by focusing light directly onto the retina. Without wearing glasses, your vision could become worse over time.
In general, Medicare does not cover eyeglasses and contact lenses if you need them for general vision correction. If you have cataract surgery, which involves implanting a lens that replaces your eye’s natural lens, Medicare will cover one pair of eyeglasses or one set of contact lenses following the procedure.
Keep in mind that you may or may not need glasses following cataract surgery. The reason you might need glasses is because the intraocular lens that is implanted in your eye during cataract surgery usually focuses on things at a distance. These intraocular lenses are called monofocal lenses. With a monofocal lens, your vision for seeing things far away could improve, but in many cases you’ll still need reading glasses for seeing things up close.
Monofocal lenses are the most popular type of intraocular lens, but your doctor may recommend a multifocal lens, which allows you to see things up-close and far away. If you have a multifocal lens implanted during cataract surgery, you’re less likely to need glasses after your surgery.
Original Medicare pays for 80% of any covered service, including cataract surgery. After you meet your Part B deductible, you are responsible for covering 20% of the cost of one pair of eyeglasses with standard frames or one set of contact lenses. If you have a Medicare Supplement plan, your out-of-pocket costs will be reduced.
Two things to keep in mind:
Medicare Advantage plans are a bundled, private health insurance alternative to Original Medicare. Most Medicare Advantage plans cover routine vision exams, eyeglasses, and contact lenses. There’s usually an annual limit to vision coverage and how many times you can get new glasses. Plans either cover one pair of glasses every year or one pair every other year. Coverage and out-of-pocket costs vary from plan to plan, so it’s important to understand what your plan covers and how much you’ll owe out of pocket before receiving services or purchasing eyeglasses.
There are a few different ways you can get discounted eyeglasses. Here are a few tips to save money:
Compare eyewear prices from different companies: Researching costs for eyeglasses and contact lenses from multiple providers, including online retailers, can help you find discounts and a price that works for you.
Ask a provider: Consult with your primary care physician or pharmacist about low-cost options for eyewear near you.