Does Medicare Cover Eye Exams?

Original Medicare does not cover routine vision care, including standard eye exams, eyeglasses and contact lenses.

Original Medicare may cover certain vision exams if the exam is considered medically necessary by your primary care physician.

Doctor performing an eye exam

What type of vision care is covered by Medicare?

Below are some examples of the types of vision exams that may be covered by Original Medicare.

  • Annual eye exams for people with diabetes
    Medicare Part B may cover one yearly exam for diabetic retinopathy, as long as the exam is conducted by an eye doctor who has been approved by your state.

    You must be enrolled in Medicare Part B and have diabetes in order for Medicare to cover your annual eye exam.

  • Cataract tests
    Medicare may cover cataract tests and cataract surgery if the procedure is considered medically necessary by your doctor. If it is an outpatient procedure, you must have Medicare Part B to qualify for coverage. If it is an inpatient procedure, it should be covered by your Medicare Part A benefits.

  • Glaucoma tests
    Medicare Part B may pay for annual glaucoma tests for patients who are considered to be high risk for developing glaucoma.

  • Macular degeneration exam
    Medicare Part B may cover your macular degeneration eye exam if it is considered medically necessary by your doctor.

For medically necessary vision services that are covered under Medicare Part B, you must first meet your Part B deductible ($185 per year in 2019) before Medicare will begin paying its share of the costs for your eye exams.

After you meet your Medicare Part B deductible, you typically pay 20 percent of the Medicare approved amount of the costs, and Medicare pays the remaining 80 percent.

Some Medicare Advantage plans may cover eye exams

If you want Medicare coverage for your eye exams and for other routine vision care, you may consider enrolling in a Medicare Advantage plan (also known as Medicare Part C).

Medicare Advantage plans are sold by private insurance companies and combine the benefits covered by Medicare Part A and Part B into one plan.

Some Medicare Advantage plans include benefits that aren’t offered by Original Medicare, such as vision care coverage.

If your Medicare Advantage plan covers vision care, it may provide benefits that include corrective lenses, frames, routine eye exams and other benefits.

Some of the other additional benefits that may be offered by some Medicare Advantage plans can include:

How do I enroll in a Medicare Advantage plan that covers eye exams?

A licensed insurance agent can help you find Medicare Advantage plans in your area that may offer vision coverage. You can compare plans, and you may be able to sign up for a Medicare plan that covers eye exams.

Speak to a licensed insurance agent by calling TTY Users: 711 24 hours a day, 7 days a week.

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MedicareAdvantage.com is a website owned and operated by TZ Insurance Solutions LLC. TZ Insurance Solutions LLC and TruBridge, Inc. represent Medicare Advantage Organizations and Prescription Drug Plans having Medicare contracts; enrollment in any plan depends upon contract renewal.

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