If you’re over the age of 65, it’s important to have regular eye exams to protect your eyesight.

But those exams can be expensive if you don’t have insurance coverage.

Fortunately, Medicare provides excellent coverage for vision care, including eye examinations and glasses or contact lenses prescribed by a doctor.

In this blog post, we will discuss what services are covered by Medicare when it comes to eye exams and how to make sure that you get the most out of your Medicare benefits when it comes to keeping your eyes healthy.

Need Expert Help From A Licensed Medicare Agent?

How are eye exams covered by Medicare?

Medicare covers eye exams for certain people, such as those with diabetes or those who are at high risk for glaucoma. However, Medicare does not cover routine eye exams for glasses or contact lenses.

Medicare Part B covers a yearly eye exam for diabetic retinopathy, which is a common complication of diabetes that can lead to blindness. Medicare Part B also covers a glaucoma test once every 12 months for people at high risk for the disease.

If you need a routine eye exam for glasses or contact lenses, you will need to pay for it out of pocket or have separate vision insurance that covers it. It is important to check with your eye doctor and your Medicare plan to understand what is covered and what is not.

How do Medicare Supplement Insurance plans cover eye exams?

Medicare Supplement Insurance Plans, also known as Medigap policies will not cover routine eye exams, glasses, and contact lenses, but they may help pay for the cost of your cataract surgery or other eye conditions.

However, it is important to note that Medigap plans do not cover the cost of prescription drugs. If you need prescription eye drops or other medications to treat an eye condition, you will need to enroll in a separate Medicare Part D plan. If your Medicare plan doesn’t cover it, then your Medicare Supplement Insurance plan won’t either.

It is important to research and compare different Medigap plans to find the one that best fits your healthcare needs and budget.

How do Medicare Advantage Plans (Part C) cover eye exams?

Medicare Advantage Plans, also known as Part C, may cover routine eye exams, glasses, and contact lenses, as well as other vision-related services, such as cataract surgery or treatment for eye diseases. Most plans will cover your annual exam 100%.

Typically Medicare Advantage plans will have additional coverage for dental, vision and hearing. However, the coverage and costs may vary depending on the plan you choose.

Some Medicare Advantage plans may require you to use a network of healthcare providers, including eye doctors, to receive coverage. Other plans may allow you to see any doctor who accepts Medicare. 

It is important to research and compare different Medicare Advantage plans to find the one that best fits your healthcare needs and budget. Additionally, some plans may offer additional benefits for vision care, such as discounts on frames and lenses.

Be sure to review the plan’s summary of benefits and contact the plan for more information on vision coverage.

What vision services does Medicare cover?

Medicare is a federal health insurance program that provides coverage for people over the age of 65 and those with certain disabilities.

While Medicare does not cover all vision services, it does cover some vision-related services for people who meet certain criteria.

In this section, we will discuss the vision services that Medicare covers.

Yearly Eye Exam

Medicare Part B covers a yearly eye exam for people with diabetes to check for diabetic retinopathy, which is a common complication of diabetes that can lead to blindness. Medicare Part B also covers a glaucoma test once every 12 months for people at high risk for the disease.

Treatment for Eye Conditions

Medicare Part B covers treatment for some eye conditions, such as macular degeneration, cataracts, and dry eye syndrome. The specific treatments covered by Medicare may vary depending on the condition and the individual’s healthcare needs.

Diabetes

If someone has diabetes, their Part B will cover 80 percent of the medically necessary treatment amount. The individual will be responsible for 20 percent of the cost for treatment. 

Cataract Surgery

Part B will help you pay for corrective lenses if a patient had surgery to implant an intraocular lens. This includes coverage for corrective lenses with a pair of glasses or frames. You will be responsible for 20 percent of the cost. 

Macular Degeneration

Medicare will assist with the cost of particular diagnostic tests, and the cost of injected drugs as well. 

Glaucoma

Eye exams are covered 80% for glaucoma screenings which is covered under your part B. If you are high-risk for glaucoma or have a family history of glaucoma, your screenings will be covered every 12 months.

Corrective Lenses

Medicare does not cover the cost of routine eye exams or corrective lenses, such as glasses or contact lenses. However, Medicare does cover some of the cost of cataract surgery, which may include the cost of intraocular lenses that can improve vision.

Low Vision Devices

Medicare Part B may cover the cost of certain low vision devices, such as magnifying glasses or telescopes, for people with low vision. These devices can help people with low vision read, watch television, or perform other activities of daily living.

Emergency Eye Care

Medicare Part B also covers emergency eye care, such as treatment for a sudden onset of vision loss or other serious eye conditions that require immediate medical attention.

In conclusion, Medicare covers some vision-related services for people who meet certain criteria. Medicare Part B covers a yearly eye exam for people with diabetes, a glaucoma test for people at high risk for the disease, treatment for some eye conditions, low vision devices, and emergency eye care.

However, Medicare does not cover the cost of routine eye exams or corrective lenses.

If you have questions about your Medicare coverage for vision services, contact your healthcare provider or your Medicare plan.

How much does an eye exam cost?

The cost of an eye exam can vary depending on several factors, including where you live, the type of eye doctor you see, and the specific tests or services you need.

On average, a routine eye exam can cost between $50 to $70 without insurance, and the cost may be higher if you need additional tests or have a more complex eye condition.

However, if you have Medicare or private insurance that covers eye exams, the cost may be significantly lower or helps pay everything for you. Some eye doctors may also offer discounts or payment plans for uninsured patients.

It is important to check with your eye doctor and insurance provider to understand what costs will be covered and what you will be responsible for paying out of pocket.

How to Find an Eye Doctor that Accepts Medicare

As we age, our eyesight tends to weaken, and regular eye exams become an essential part of our healthcare routine.

For seniors who are covered by Medicare, finding an eye doctor that accepts Medicare is important to ensure that they receive the necessary eye care without incurring additional costs.

In this section, we will discuss the steps you can take to find an eye doctor that accepts Medicare.

Check Medicare’s provider directory

Medicare’s provider directory is a valuable resource for finding doctors that accept Medicare. To access the directory, visit the Medicare website and click on “Find doctors & other health professionals” under the “Search Tools” section.

From there, you can enter your zip code and select “Ophthalmology” as the specialty to find eye doctors in your area that accept Medicare.

Ask your primary care physician for a referral

Your primary care physician may be able to recommend an eye doctor that accepts Medicare. This can be especially helpful if you have a specific eye condition that requires specialized care.

Contact your state’s Medicaid program

If you are enrolled in both Medicare and Medicaid, your state’s Medicaid program may be able to help you find an eye doctor that accepts both forms of insurance. Contact your state’s Medicaid program to learn more.

Use online directories

There are several online directories that can help you find eye doctors that accept Medicare. Some popular options include ZocDoc, Healthgrades, and Vitals. These directories allow you to search for doctors by location, specialty, and insurance.

Contact the American Academy of Ophthalmology

The American Academy of Ophthalmology is a professional organization that represents eye doctors across the country. They may be able to provide you with a list of eye doctors in your area that accept Medicare.

Call the eye doctor’s office

If you have a specific eye doctor in mind, you can call their office and ask if they accept Medicare. They may also be able to provide you with information about what services are covered by Medicare.

In conclusion, finding an eye doctor that accepts Medicare requires some research, but the effort is well worth it to ensure that you receive the necessary eye care without incurring additional costs. By following these steps, you can find an eye doctor that accepts Medicare and is able to provide you with the care you need.

Questions to Ask your Physician about Coverage for Eye Exams Under Medicare

As we age, it’s important to keep up with our eye health by getting regular eye exams. For seniors who are covered by Medicare, it’s essential to understand what is covered under their plan to avoid any unexpected costs.

If you’re preparing for an upcoming eye exam and have questions about your Medicare coverage, here are some questions to ask your physician.

Is a routine eye exam covered under Medicare?

Medicare Part B covers a yearly eye exam for diabetic retinopathy, but it doesn’t cover routine eye exams for other conditions. However, some Medicare Advantage plans may offer additional coverage for routine eye exams. Ask your physician if your specific plan covers routine eye exams and what is included.

What is covered during the eye exam?

If your Medicare plan covers the eye exam, it’s important to understand what is included. Ask your physician what tests will be performed during the exam and if there are any additional costs associated with them. It’s also important to ask if any treatments or procedures will be covered if any issues are detected during the exam.

Are there any out-of-pocket costs associated with the eye exam?

Even if the eye exam is covered by Medicare, there may still be out-of-pocket costs associated with the visit. For example, if your physician recommends additional tests or procedures, they may not be covered under Medicare. Ask your physician if there are any additional costs associated with the eye exam and what your options are if you’re unable to afford them.

Are there any restrictions on where I can get my eye exam?

Medicare doesn’t restrict where you can get your eye exam, but some plans may require you to visit a specific provider. Ask your physician if there are any restrictions on where you can get your eye exam and if there are any providers in the area that they recommend.

How do I file a claim with Medicare for the eye exam?

If you’re required to pay for the eye exam out-of-pocket, you may be able to file a claim with Medicare for reimbursement. Ask your physician how to file a claim and what documentation you will need to provide.

In conclusion, it’s important to ask your physician about your Medicare coverage for eye exams to avoid any unexpected costs. By asking these questions, you’ll have a better understanding of what is covered under your plan and what to expect during your eye exam

In conclusion, Medicare does cover eye exams, but the coverage depends on the type of exam and your specific Medicare plan. Routine eye exams for general vision are not typically covered, but exams related to specific conditions such as diabetic retinopathy are covered.

It’s important to check with your Medicare plan and eye doctor to understand what is covered and any associated costs.

By staying informed and asking the right questions, you can ensure that you receive the necessary eye care while minimizing any out-of-pocket expenses.

Sources Used: 

• https://www.theseniorlist.com/medicare/medicare-eye-exams/ 
• Source: Medicare and You Handbook 2023

By completing the form above, I understand that a Licensed Insurance Agent from Apollo Insurance Group may contact me via phone, email or mail to discuss Medicare insurance options. Calls may be made by auto dialer, text, or robocall and are for marketing purposes. Cellular carrier charges may apply. Providing permission does not impact eligibility to enroll or the provision of services. You can change permission preferences at any time by contacting (816) 608-4333. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Apollo Insurance Group is not affiliated with the federal Medicare program or the government. This is a solicitation for insurance.