What should you know about Medicare vision coverage and the services included in your health insurance?
Medicare is a government-funded health insurance plan for people aged 65 and older, as well as for younger people with disabilities and those with end-stage renal disease. It has four parts: Part A, Part B, Part C, and Part D. Part A covers hospital stays, hospice care, some home healthcare, and stays in a skilled nursing facility. Part B covers outpatient medical services, including doctor’s appointments, urgent care visits, tests, and preventive services like vaccines and annual checkups. Medicare vision coverage falls under Part B but is limited to preventive screenings for specific conditions and diagnostic tests. Routine eye exams are not covered unless you have a Medicare Advantage plan (Part C), which may include additional benefits like vision coverage. Part D covers prescription drugs. Under Part B, Medicare covers tests for serious eye problems, yearly glaucoma tests for high-risk individuals, yearly diabetes-related eye exams, and macular degeneration screenings. Cataract surgery is also covered, and Medicare will pay for one set of contact lenses or standard eyeglasses frames after the surgery. For other vision services like routine exams, eyeglasses, and contacts, you will need a Medicare Advantage plan or pay out of pocket. It's important to check the details of your plan to understand what vision coverage you have. While Part A is usually free based on your tax history, Part B requires premiums, deductibles, and coinsurance. Your costs can also be affected by your doctor’s status with Medicare. If your doctor doesn’t work with Medicare, you may have to pay all costs directly. A Medicare Advantage plan can help cover extra benefits and set yearly limits on out-of-pocket costs.