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Most private health insurance providers consider cataract surgery to be medically necessary. They’ll help you to determine the total cost of your operation.ĭoes Private Health Insurance Cover Cataract Surgery? Speak directly with your Medicare representative before having cataract surgery. They often cover the additional costs of premium cataract eye surgery. These plans provide supplemental coverage for health services not covered by Medicare. It is possible to purchase a “Medigap” policy from a private health insurance company. These services can double or triple out-of-pocket expenses. Presbyopia-correcting intraocular lenses (P-C IOLs).

If you want premium IOLs, you will have to pay the difference these include:.

You will be required to pay your deductible and copayment.

Here are some things to think about regarding Medicare coverage: Medicare Part B covers medically necessary health care procedures and services. But if yours does, your hospital expenses should be covered by Part A. Most cataract surgeries will not require the patient to remain overnight. Medicare Part A covers hospital stays and other inpatient procedure costs. It also covers one pair of eyeglasses or contact lenses after the eye surgery. Medicare typically covers 80%of expenses related to cataract surgery. Your doctor must determine that the surgery is medically necessary for your health. Yes, basic cataract surgery is covered by Medicare. However, your health insurance coverage is the biggest factor in determining your out-of-pocket cost. These variables will affect the on-paper cost of your cataract surgery. Pre- and post-operative doctor’s visits, medications, and testing can impact the overall cost. Ambulatory surgical centers typically cost less than outpatient surgery in a hospital. A surgeon’s experience and reputation often affect their fees. Laser cataract surgery uses the most advanced technologies and is the most expensive. Traditional surgical techniques, such as phacoemulsification, are lower in cost. Premium lenses include toric IOLs to correct astigmatism and presbyopia-correcting IOLs. A monofocal lens that corrects vision at one distance is less expensive than a multifocal lens. The type of intraocular lens (IOL) you need affects the overall cost. The main factors that affect the average cost of cataract surgery include: What Impacts the Cost of Cataract Surgery?