SOME CARD INFO MAY BE OUTDATED
This page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer.
Medicare covers medically necessary cataract surgery. But you're still responsible for the Part B deductible and a 20% coinsurance. And coverage limits apply to premium technology and upgraded lenses.
Cataract surgery involves the removal of the cataract and the placement of an artificial lens. Medicare also includes one pair of eyeglasses or one set of contact lenses post-surgery.
Does Original Medicare cover cataract surgery?
With Original Medicare, Medicare Part B covers 80% of the cost of cataract surgery after the Part B deductible is met. The surgery must be performed using traditional surgical techniques or lasers. If hospitalization is required — and that’s unusual — Medicare Part A (hospital insurance) pays.
The role of Medicare Supplement Insurance
Medicare Supplement Insurance (or Medigap) can lower your out-of-pocket costs for cataract surgery. Medigap plans cover part or all of the Part B coinsurance.
Shopping for Medicare plans? We have you covered.
Medicare Advantage is an alternative to traditional Medicare offered by private health insurers. It covers the same benefits as Medicare Part A and Part B.
- States available48 states and Washington, D.C.
- Members in high-rated plansMedium (50% to 84%)
- Member satisfactionAverage
(855) 432-0512 / TTY 711
M-F 9AM-9PM, Sat 10AM-6PM ET
Speak to a licensed insurance agent on askchapter.org
Get a quote
On NerdWallet
- States available46 states and Washington, D.C.
- Members in high-rated plansLow (49% or less)
- Member satisfactionAbove average
(855) 432-0512 / TTY 711
M-F 9AM-9PM, Sat 10AM-6PM ET
Speak to a licensed insurance agent on askchapter.org
Get a quote
On NerdWallet
Does Medicare Advantage cover cataract surgery?
Medicare Advantage covers everything that Original Medicare covers (with a few exceptions), and it does cover cataract surgery. As with many other medical services, a Medicare Advantage plan may offer lower out-of-pocket costs for cataract surgery. But Medicare Advantage may also limit available providers to those within its network. Copays, coinsurance and deductibles vary by plan, so contact yours for details.
» MORE: Best Medicare Advantage plans
How much does cataract surgery cost with Medicare?
After your Part B deductible is met, cataract surgery costs around $346 to $560 per eye with Medicare. Here’s the average cost breakdown for cataract surgery on one eye under Medicare’s 2026 payment structure:
| Expense type | Hospital outpatient facility | Stand-alone surgery center |
|---|---|---|
| Facility fee | $2,280 | $1,214 |
| Doctor fee | $521 | $521 |
| Total charge | $2,801 | $1,735 |
| Medicare pays | $2,241 | $1,388 |
| Your coinsurance | $560 | $346 |
With or without Medicare, the cost of cataract surgery depends on where it's done. You can save over $200 per eye by choosing a stand-alone surgical center instead of a hospital.
Other costs may apply. Patients with complex cases might need more than one doctor, for example. To avoid a surprise bill, ask your health care provider about costs before the procedure.
Questions to ask:
- Do you accept reimbursement from Original Medicare or my Medicare Advantage plan?
- What is the doctor fee for the procedure?
- Will the procedure be performed in a stand-alone surgery center or a hospital outpatient facility?
- What other costs should I expect after surgery?
Does Medicare cover other costs that come with cataract surgery?
Original Medicare doesn’t cover eyeglasses or contact lenses in most circumstances. But if you need them after cataract surgery, Medicare Part B pays for one pair of eyeglasses with basic frames or one set of contact lenses.
The coinsurance for corrective lenses after each cataract surgery is 20% after you meet the Part B deductible. You’ll pay more for more expensive frames. Your supplier of corrective lenses must be enrolled in Medicare.
Medicare Advantage plans may come with some vision coverage that includes eyeglasses. And Medigap plans will cover part or all of your Part B coinsurance.
» MORE: Medigap vs. Medicare Advantage
What coverage exclusions might apply?
Medicare covers traditional and laser cataract surgery, but doesn’t pay for New Technology Intraocular Lenses, or NTIOLs. For example, some toric lenses, designed to correct astigmatism, may not be fully covered. Discuss with your eye doctor whether it makes sense to pay more for NTIOLs.
Are there alternatives to cataract surgery?
In the early stages, some patients may be able to improve their cloudy vision without surgery. Here are some things that can help:
- Using brighter lights.
- Anti-glare sunglasses.
- Magnifying lenses for close activities.
- Updated prescription lenses.
But when recommended by doctors, surgery is a safe and effective long-term solution.
Can cataracts be prevented?
Medical experts believe that some strategies may help prevent cataracts or slow the progression:
- Stop smoking.
- Curb alcohol. Drinking to excess can raise the risk of cataracts.
- Get regular eye exams. Detecting cataracts early can help people take preventive or other steps sooner.
- Take care of overall health. People with other health problems, like diabetes, should follow their doctor’s orders for self care.
- Eat healthy foods. Getting a variety of vitamins and nutrients from a regular diet can help keep eyes healthy.
- Wear sunglasses. Choose shades that block ultraviolet B, or UVB, light, which may speed cataract development.
Frequently Asked Questions
Is cataract surgery fully covered by Medicare?
If cataract surgery is medically necessary, Medicare Part B covers 80% of the cost after you meet the Part B deductible. The surgery must be performed using traditional surgical techniques or lasers. If you have Medigap, your plan may cover certain out-of-pocket costs, such as your Medicare Part B coinsurance.
Medicare Advantage covers medically necessary cataract surgery and may offer lower out-of-pocket costs, but you’re generally limited to in-network providers. Copays, coinsurance and deductibles vary by plan.
What type of lens does Medicare cover for cataract surgery?
Medicare covers cataract surgery that involves an intraocular lens. Newer lenses that correct for conditions such as astigmatism, nearsightedness or presbyopia aren't covered by Medicare.
How bad do cataracts have to be to qualify for surgery?
Generally, Medicare will cover surgery for cataracts when your vision has declined to below 20/40, which in many states is the legal minimum vision required to drive.
Article sources
NerdWallet writers are subject matter authorities who use primary,
trustworthy sources to inform their work, including peer-reviewed
studies, government websites, academic research and interviews with
industry experts. All content is fact-checked for accuracy, timeliness
and relevance. You can learn more about NerdWallet's high
standards for journalism by reading our
editorial guidelines.
- 1. Centers for Medicare & Medicaid Services. Eyeglasses & Contact Lenses. Accessed Mar 18, 2026.
- 2. Mayo Clinic. Cataracts. Accessed Mar 18, 2026.
