Initial Medicare rarely includes glasses or contact lenses for prescription use. The exception is if you need surgery for cataracts and have an embedded intraocular lens. In any case, as recommended by an ophthalmologist, Medicare Part B coverage requires a single pair of corrective lenses.
While eye care is a common need as we age, Medicare coverage is extremely restricted for most vision services. It is normally based on whether you encounter any medical problems that can impair your eyesight.
Prescription lenses include contact lenses and glasses. And the only way Medicare helps pay for glasses or contacts is if, during cataract surgery, you have an intraocular lens implanted. Coverage comes under Part B of Medicare for this program.
You are responsible for 100 percent of the cost of prescription eyeglasses or contact lenses at any other time.
Medicare Part B covers 80 percent of the cost of prescription lenses following cataract surgery to insert an intraocular lens, as with other covered programs. This requires either one pair of regular frame eyeglasses or a single set of contact lenses. Extra guidelines include:
When carried out using either lasers or conventional methods, Medicare Part B will also cover cataract surgery. Again, you pay 20% of the amount accepted by Medicare and your healthcare provider has to accept the assignment.
Medicare does not cover regular eye examinations, such as annual vision checks to see if you need glasses. You'll pay 100 percent of the cost for regular eye exams unless you meet certain medical conditions (more on that below). And if you pick an eye doctor who accepts an assignment, this is valid.
For Medicare beneficiaries who have such medical conditions, eye tests may be protected. Coverage is under Part B of Medicare. The insurer must recognize the assignment, the Part B deductible applies, and 20 percent of the Medicare-approved amount is the out-of-pocket expense. Your out-of-pocket will also require a copayment in addition to your 20 percent Part B coinsurance if you receive treatment as an outpatient hospital.
Medicare Part B covers the following vision care:
Medicare Part B will cover one glaucoma test every 12 months if you are deemed high-risk for glaucoma. You are judged to be high-risk, according to Medicare.gov, if any of the following describes you:
An eye doctor who is certified in your state to administer glaucoma screenings must either perform or supervise this eye test.
Medicare Part B can cover a variety of diagnostic tests and treatments if you have age-related macular degeneration (AMD). AMD, particularly as we age, is relatively normal. In the field of vision, it induces deterioration and is chronic, meaning it can not be healed. Blurred vision is the most common symptom of age-related macular degeneration.
Speak about testing and treatment choices that are covered by Medicare with your ophthalmologist, optometrist, or other healthcare providers
Medicare Part B covers an annual eye test if you have diabetes to screen for diabetic retinopathy. This vision evaluation must be done by an eye doctor approved by your state to administer the test.
Medicare Advantage plans, also known as Medicare Part C, must have the same coverage and benefits as the initial Medicare. Such proposals are not restricted to this coverage, however. Around 90% of Medicare Advantage plans currently offer extra benefits. The most popular of these is prescription drug coverage, but nearly three-quarters of Advantage policies still provide vision treatment.
Popular advantages of vision if you have a plan for Medicare Advantage include:
While the Centers for Medicare & Medicaid Services (CMS) manages Part C, Medicare Advantage policies are issued by private insurance firms. Covered services differ from plan to plan. Check the specifics carefully to see if vision benefits are included in benefits plans in your state.
Two sections include Initial Medicare. Part B is often referred to as medical insurance, as it includes outpatient care such as visits to the doctor and laboratory work. Part A of Medicare is also known as insurance for hospitals. It helps to pay for inpatient treatment as well as hospice care offered in a hospital or skilled nursing facility (SNF).
Part A of Medicare does not cover vision services, regular eye checks, or prescription lenses.
Medicare Part D, which is not included in Original Medicare, offers coverage for prescription drugs. And although an eye doctor prescribes prescription lenses (as the name suggests), they are not covered by Part D of Medicare.
Medicare is covered only by home health care services prescribed by a physician and delivered by qualified nurses, although patients must meet strict eligibility criteria.
What is the easiest way to apply for Medicare? Well, you are in the right place! Most people were automatically enrolled and became eligible for Social Security when they turn to 65. We didn't need to apply for Medicare until President Reagan signed the legislation which raises the retirement age in 1983 and begins in 2003.
Many people believe that Medicare is free because, for much of their working life, you have paid into Medicare by taxes, but that assumption is not right.
Often, Medicare premiums come as a shock to new Medicare recipients. You may have noticed that the federal government has been deducting taxes for years from your paychecks. And yes, these deductions go into paying your future payments for Medicare Part A as well as your income checks from Social Security.