The answer to the question is a little more complicated than most “Does Medicare cover… ?” questions. While vision can include routine care such as vision exams and glasses, it can also mean more serious issues like cataracts, macular degeneration, diabetic vision issues. Not all vision care is covered equally.

Does Medicare Cover Vision?

Medicare does not cover what we consider traditional vision care such as vision eye exams, glasses, contacts, and discounts for LASIK. However, Medicare does cover yearly eye exams for diabetics, glaucoma tests, cataract surgery, and macular degeneration tests.

Does Medigap Cover Vision?

While Medigap covers a lot, it does not cover traditional vision. That being said, some Medigap plans cover coinsurance, deductibles, and copays for cataract surgery and other medical vision services covered by Original Medicare.

There are some Medigap plans in California that include vision and also hearing benefits: Plan F Extra and Plan Innovative F. There is also Medigap Innovative G in Nevada with the same additional benefits.

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Does Medicare Advantage Cover Vision?

Some Medicare Advantage plans offer vision coverage. Remember MA plans trade the nationwide network of Original Medicare for a local network, but can add extras like prescription drug coverage, senior dental, hearing, and vision coverage.

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Are Stand-Alone Vision Plans Expensive?

Stand-Alone vision plans generally have low monthly premiums, but many times they have limited coverage. You will want to weigh your monthly premium with what the plan covers to see if it’s worth the price.

For further questions call an independent Senior65 agent at 800-930-7956.

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