Making sure that you maintain good eye care is essential to good health, especially when you and your eyes start aging. That’s why you may wonder if your Medicare plan covers your annual vision exam with your optometrist.
Here’s a quick overview of information surrounding Medicare eye exams and a number of simple ways to find eye insurance that keeps your budget in sight.
Does Medicare Cover Vision Exams?
Medicare Part B will cover annual diagnostic vision exams if you have diabetes, age-related macular degeneration, or a high risk for developing glaucoma. Medicare does not cover yearly vision exams for eyeglasses or contact lenses. If you qualify for these specific Medicare eye exams, you are responsible for 20% of the Medicare-approved cost after your deductible.1
Will Medicare Pay for Eyewear?
If you’ve had cataract surgery that implants an astigmatism-correcting lens, also known as an intraocular lens (IOL), Medicare Part B will pay for eyeglasses or contacts. Like diagnostic vision exams, you’re responsible for 20% of the Medicare-approved amount after your deductible. In most other circumstances, Medicare will not cover eyewear like glasses or contact lenses.2
Medicare Advantage Plans Can Help With Vision Coverage
Many Medicare Advantage plans include vision and dental coverage in addition to Original Medicare (Part A and Part B). These bundled insurance plans provide comprehensive insurance, and some can even be as low as $0 per month.3 You can view in-depth plan details and further information with HealthMarkets.
Senior Vision Plans
If you require insurance only for your vision needs, standalone senior-specific vision plans are also available. This type of coverage can include eye exams, eyeglasses and contacts, and discounts on vision correction procedures, such as LASIK. A senior vision plan can add to your Original Medicare benefits.
Medicare Supplement Plans and Eye Exams
If you have Original Medicare, a Medicare supplement insurance plan may also come with dental and vision discount options. This type of Medicare eye exam coverage isn’t included with your benefits, but is sometimes added on by insurance companies.
Check with a licensed agent for details to see if a Medicare supplement vision program is available in your area.
All-in-One Dental, Vision, and Hearing
If you’re looking for multiple benefits packaged together in one simple plan, a dental, vision, and hearing plan may provide the right coverage for your needs. The combination of all three of these benefits under one umbrella could end up being less expensive and more convenient than if you had purchased several individual policies.
It’s a good option to consider if you’d like a bundled plan that covers multiple services.
How to Find the Right Medicare Plan
When it comes to Medicare, there are lots of budget-friendly plans that can cover your needs. HealthMarkets can help you find the right insurance policy for you and your family.
Get started reviewing the options in your area today.
1. “Eye exams (for diabetes).” Medicare.gov. Retrieved from https://www.medicare.gov/coverage/eye-exams-for-diabetes Accessed August 17, 2021. | 2. “Eyeglasses & contact lenses.” Medicare.gov. Retrieved from https://www.medicare.gov/coverage/eyeglasses-contact-lenses Accessed August 17, 2021. | 3. “Costs for Medicare Advantage Plans.” Medicare.gov. Retrieved from https://www.medicare.gov/your-medicare-costs/costs-for-medicare-advantage-plans Accessed August 17, 2021.