Eyeglasses are an everyday need that Original Medicare usually won't pay for. Here's the one exception and your options.
When does Medicare cover glasses?
Original Medicare does not cover eyeglasses or contact lenses for routine vision correction. The single exception is after cataract surgery that implants an intraocular lens: Medicare Part B then covers one pair of standard eyeglasses or one set of contact lenses from a Medicare-enrolled supplier. You pay 20% of the Medicare-approved amount for the standard frames after your Part B deductible, and you pay extra if you choose upgraded frames. Outside of that cataract exception, you'll pay the full cost of glasses yourself under Original Medicare. To learn how to get broader eyewear coverage, call 1-800-MEDIGAP at 1-800-633-4427.
How to get coverage for glasses
If you want help paying for glasses, the most common route is a Medicare Advantage (Part C) plan that includes a vision benefit. These plans often provide an annual allowance toward frames and lenses, plus a covered routine eye exam, usually through a network of providers. Standalone vision insurance is another option that pairs with Original Medicare or Medigap. Medigap plans themselves do not cover routine glasses, they pay Original Medicare's deductibles and coinsurance. The right choice depends on how often you update your eyewear and your budget. Call 1-800-MEDIGAP for a free comparison of plans with vision benefits.