Yes, Medicare covers cataract surgery. If you have Medicare Part B, standard cataract surgery is covered as a medically necessary outpatient procedure. You will pay 20% of the Medicare-approved amount after your Part B deductible is met.
What Medicare Part B Covers
- The surgical procedure to remove the cataract
- One pair of standard eyeglasses OR one set of contact lenses after surgery (this is the only time Medicare covers glasses)
- Pre-operative and post-operative visits related to the surgery
- Anesthesia administered during the procedure
What Medicare Does NOT Cover for Cataract Surgery
- Premium intraocular lenses (IOLs) that correct astigmatism or presbyopia — you pay the upgrade cost out of pocket
- Laser cataract surgery if you choose it solely for lifestyle preference (the standard technique is covered; any laser premium is your responsibility)
- Routine eye exams before or after surgery that are unrelated to the cataract
Medicare Advantage and Cataract Surgery
Medicare Advantage (Part C) plans must cover everything Original Medicare covers, so cataract surgery is always included. Some plans may offer additional lens upgrade allowances—check your plan’s Summary of Benefits.
How Much Will You Pay?
| Part B deductible | $240 in 2024 (you pay this first) |
| Coinsurance | 20% of Medicare-approved amount after deductible |
| With Medigap | A Medigap (supplement) plan often covers your 20% coinsurance |
Frequently Asked Questions
Does Medicare cover both eyes?
Yes. Medicare covers cataract surgery on each eye, typically as separate procedures scheduled weeks apart.
Is there a waiting period?
No waiting period applies as long as your doctor certifies the procedure is medically necessary.
What if I want premium lenses?
Medicare will pay its standard approved amount for a basic monofocal lens. If you upgrade to a premium toric or multifocal IOL, you pay the difference. Ask your surgeon for a cost estimate before scheduling.
