Does Health Insurance Pay For Cataract Surgery?

​Your eyes may weaken as you grow older, leading to poor eyesight. A common eye complication is a cataract, a condition with a cloudy lens resulting in blurred vision. To treat cataracts, you must undergo surgery.

Cataracts are common when you reach 60-70 years old. Symptoms include blurred vision, sensitivity to light, and distorted images. The surgery is painless and may treat cataracts, but it’s expensive. With health insurance, your surgery’s expenses may lessen or be covered under its policies. 

On the other hand, as the insurance beneficiary, you must check the coverage of each policy. There is a high possibility that your eyes can have a cataract simultaneously, so you should pick health insurance that may cover the surgery’s cost in both eyes. 

Waiting Period for Surgery
If you have purchased health insurance for your cataract surgery, you must wait for at least 2 years before using the benefit of the policy. On the other hand, if you invest in health insurance in advance, you can claim the coverage and use it when you reach the age when cataracts are prevalent.

What Portion of the Surgery is Covered by Health Insurance? 
Since some health insurance companies cover just a portion of the surgery, you should invest in a policy with more coverage. Health insurance companies cover medical treatment fees, including check-ups, prescriptions, and cataract surgery. 

Here is the list of eye treatments that health insurance may cover:

• Eye cataract surgery
• Eye drops
• Monofocal lens
• Eye examination 
• Post-surgical eyeglasses

Conclusion 
Since cataracts are a very common condition among senior citizens, it would be a lifesaver if you invest in health insurance where cataract surgery is one of their top priorities. As an insured person, you could have many benefits, like covered surgery with post-surgery check-ups.

At Insurance Marketplace, Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (541) 779-0177 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!