Eye health often becomes more important after 65, but Original Medicare covers it in a specific way. It pays for many medical eye services, but generally not for routine eye exams, glasses, or contacts.
What Original Medicare covers
- Glaucoma tests once a year for people at high risk
- Diabetic eye exams once a year for people with diabetes
- Cataract surgery, plus one pair of eyeglasses or contacts after surgery with an intraocular lens
- Diagnosis and treatment of eye diseases such as macular degeneration
What Original Medicare usually does not cover
- Routine eye exams for glasses or contacts
- Eyeglasses and contact lenses (except after cataract surgery)
- LASIK and other elective procedures
How seniors fill the gap
Medicare Advantage
Many Medicare Advantage plans include routine vision benefits, such as an annual exam and an eyewear allowance. Benefits and networks vary, so compare the vision details, not just premiums.
Stand-alone vision insurance
Individual vision plans can be added to Original Medicare and are often available year-round — see buying vision coverage outside open enrollment.
Discount plans
A vision discount plan lowers prices on exams and eyewear for a membership fee — compare in vision insurance vs. discount plans.
Plan for these common needs
- More frequent prescription changes
- Progressive or multifocal lenses, which may carry extra copays
- Ongoing medical eye care for conditions like glaucoma
Coordinate with your dental decision
Medicare also covers very little dental care, and many seniors choose one plan that addresses both. See dental insurance for seniors, and if you are approaching 65, Medicare vs. Obamacare at 65.
Want help finding vision coverage that works with Medicare? Our free tool compares plans across top carriers and shows what you would actually pay in about 60 seconds — no obligation, and a licensed agent reviews your options with you. Get your free quote →