Does Medicare Cover Vision?
What does Medicare Pay for Vision Care?
Medicare Vision Coverage – Let’s talk about your eyes, certainly everyone should consider vision insurance when we know that 75% of the population is going to need help seeing clearly as they age.
So knowing this, why do many forgo this important insurance coverage, especially when you consider the cost of eye exams and the enormous possibility that you’ll be significantly out-of-pocket sooner or later for the resulting cost of vision correction? If you are on Medicare and need vision insurance, keep reading or call us at 844-528-8688 for answers. You can view the vision plans HERE.
So knowing this, why do many forgo this important insurance coverage, especially when you consider the cost of eye exams and the enormous possibility that you’ll be significantly out-of-pocket sooner or later for the resulting cost of vision correction?
Does Medicare Cover Vision
While Medicare and Medicare supplement plans do cover your vision if there is something medically wrong, such as cataracts, it does not have coverage for a standard eye exam or corrective lenses. Below are just a few reasons to consider getting a separate vision plan.
- The cost for regular eye exams – Getting an eye exam on a regular basis does more than evaluate your vision since regular eye exams can also detect many health issues even before symptoms appear. Without some form of vision insurance, your eye exams will be paid out-of-pocket. Seniors covered under Medicare should know that eye exams and eyeglasses are not covered unless you already have diabetes or other specific health issues.
- Vision insurance costs more than an eye exam – For young adults, this may likely be the case since an occasional eye exam (every to 10 years) will likely cost less if you pay out-of-pocket versus the premiums you pay for insurance. But what happens when you need eyeglasses or other preventive care? This is when vision insurance can rescue your checkbook from charges you weren’t expecting, especially if you’re a senior.
- You have one set of eyes – get the most out of them – Having healthy eyes is more than just about seeing clearly. Poor eye health can lead to headaches and other issues that can easily impact your effectiveness at school, work, your hobbies, and your overall health.
Get a Quote for Senior Vision Insurance Plans
Medicare does not cover routine vision care. Get the coverage you need with a VSP individual vision plan.
Does Medicare Pay for Eye Glasses?
Generally speaking, Medicare Part B will not cover routine eye exams or eyeglasses and contacts except under specific circumstances:
- If you’ve already been diagnosed with diabetes, Part B will cover you for an annual eye exam for diabetic retinopathy. Even with this coverage you will be responsible for the copayment and any part of your annual Part B deductible that hasn’t been met.
- If you are considered at risk for glaucoma (buildup of pressure in the eyes) you will be covered for an annual glaucoma test.
- You may be covered if you have a disease known as age-related macular degeneration (AMD).
Does Medicare Cover Eye Surgery?
In many cases, yes. If you have surgery on your eyes due to disease or injury, Medicare would cover it. If you have a Medicare supplement plan, it would also cover it because Medicare paying is the trigger for your supplement to pay its part. Most eye surgeries are done as an outpatient and this would be covered under Part B of Medicare.
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Why VSP Individual Vision Plans Could Work Best For You
As specialists in insurance for seniors, we recommend VSP Individual Vision Plans, and here is why we believe they are a great solution for covering your costs for eye care:
- In many states VSP offers multiple plan options. You can add your spouse or eligible family members and save money on coverage for the whole family.
- One person plans average are typically less than $15 per month and two person plans average less than $25 per month.
- You have access to the largest independent doctor network in the U.S. which means you’ll likely find a doctor you like close by.
- The VSP Individual Vision Plan can easily save you hundreds of dollars on eye services even when you consider the cost of your plan.
- VSP Individual Vision Plans make seeing your doctor easy. There’s no need to present an ID card or wait for approvals. You simply make an appointment with a network doctor, have your eyes checked and select your frames and then pay your copay.
- Coverage begins in less than a week. With your VSP Individual Vision Plan there’s no need to deal with long waiting periods; you can start saving money on your vision services in as little as five business days.
Okay, Let’s Get Started
To learn more about VSP Individual Vision Plans and start your enrollment, click the button below.
You can always call an insurance professional on the Medicare Solutions Teams to get answers to all your questions and get your VSP Individual Vision Plan today. 844-528-8688