Vision Coverage for Medicare Beneficiaries
If you are dependent on assistance for your vision needs and have been on Medicare, you might already know that basic vision care is not covered by Original Medicare (Part A & Part B). There are some instances where vision services are covered, but it’s important to know what is and isn’t before new needs emerge.
If you are in need of treatment that requires you to be hospitalized, Part A will provide coverage. Additionally, Part B will provide partial coverage for some services. Partial coverage includes corrective lenses after cataract surgery if they are required, glaucoma tests, macular degeneration treatment and yearly vision exams for those patients with diabetes.
It is important to understand that Medicare Part B only covers 80% of the Medicare-approved amount for doctors’ services, prescription drugs and corrective lenses. You are left responsible for the remaining 20%, in addition to paying the Part B deductible.
Medicare Vision Coverage Options
Medicare Advantage Plan
Medicare Advantage Plans (also known as Medicare Part C) provide an alternative to Original Medicare. These plans, which are provided by independent health insurers, often include vision coverage, in addition to coverage for dental, prescription drugs and more.
Stand-Alone Vision Plan
If you’re enrolled in Medicare Part B and have routine eye-care needs, a stand-alone vision plan may be a good option.