Medicare Vision Benefits
Does Medicare Cover Vision Services?
Original Medicare (Parts A and B) does not include regular vision exams or corrective lenses.
However, it covers diseases of the eye like glaucoma, macular degeneration, and corrective lenses after cataract surgery. It includes testing and exams for the former, plus an annual check for diabetic retinopathy.
In these cases, Medicare Part B covers 80% of the approved costs for doctors' services, prescription drugs, and lenses. Consequently, you must pay 20% of the fees plus the deductible and any required copays.
Alternatively, if you select a Medicare Advantage (Medicare Part C) plan, many offer coverage for vision exams, glasses, and contacts. Typically, Medicare Advantage is an all-in-one policy that includes hospitalization, medical insurance, and prescription drugs. Many Advantage plans also provide additional benefits like dental, vision, hearing, and SilverSneakers.
Also, some Medicare Advantage plans with those benefits have $0/month premiums. Check with AARDY to find out if a program like this is available where you live.
Are There Other Options for Vision Benefits?
If you need vision coverage, you may qualify for a supplemental Vision Insurance plan through a private insurer. You would pay a monthly premium separately from your health insurance. It would cover regular eye exams, corrective procedures, and corrective lenses.
AARDY Can Help You Find Vision Coverage
Even if your plan doesn't include vision benefits this year, it might have it next year.
It's easy to find out what options you have. Just contact AARDY. Let us know what you're looking for, and we will help you determine what plan works best for your needs.