Original Medicare (Part A & Part B), does not cover regular eye exams or other vision costs, except in certain situations.

However, people on Medicare can look into other options. They may get vision coverage through separate insurance or Medicare Advantage plans (Part C) that include vision benefits.

What does Medicare cover for vision?

Medicare covers eye exams to check for specific medical conditions, such as:

For those with diabetes

Medicare provides coverage for an annual eye examination to screen for diabetic retinopathy, a condition characterized by damage to the eye's blood vessels. Your risk for this condition increases the longer you live with diabetes. This examination must be performed by an eye doctor licensed in your state.

For individuals at high risk for glaucoma

Medicare offers coverage for an annual glaucoma test if you're considered to be at high risk. High-risk individuals are those with diabetes or those who have a family history of glaucoma. Glaucoma includes a group of eye conditions that cause damage to the optic nerve.

For individuals with age-related macular degeneration

Medicare offers coverage for specific tests and treatments, including certain drug injections, for age-related macular degeneration, an eye condition that affects a small central part of the retina.

Are glasses covered by Medicare?

Medicare typically does not cover glasses. However, it may cover certain eye exams and procedures related to medical conditions, such as cataracts. If you need glasses after surgery or a medical treatment, coverage might be available, but this is limited. For routine vision care, like eye exams and glasses, you may need to get a separate vision insurance plan.

How can I save money on vision care?

To save money on vision care, consider these tips:

• Regular Eye Exams: Visit an eye doctor annually to catch any issues early, which can save on costly treatments later.
• Insurance Benefits: Check your vision insurance for discounts on exams, glasses, or contacts. Use in-network providers for better rates.
• Use Flexible Spending Accounts (FSAs): If offered by an employer, FSAs can help you save tax-free money for vision expenses.
• Buy Generic: Opt for generic lenses and frames when possible. They often offer similar quality at a lower price.
• Consider Vision Plans: If your insurance doesn’t cover vision, explore standalone vision plans that can reduce costs.

Understanding Coverage under Medicare Part C

To get coverage for regular eye exams, you may want to consider a Medicare Advantage plan. These plans are run by private insurance companies and offer additional benefits. Many Medicare Advantage plans help pay for glasses, contact lenses and even pay for routine eye exams. If this is important to you, check your plan details. Remember that benefits vary by plan and not all plans are the same in every area.

Get Help with Vision Coverage

We know the importance of maintaining good eye health during your golden years. However, Medicare doesn't typically cover the costs of regular eye check-ups or expenses related to eyeglasses or contact lenses. Thankfully there are several ways to reduce your costs on these necessities. Feel free to get in touch with us today and we'll assist you in exploring all of your available options.

Need Medicare Help?

Call 855-278-2700 or Click Get Help Now

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