Does United Healthcare Cover Cataract Surgery?

In this article...
  • Cataract treatment can be expensive, but a UnitedHealthcare plan can help. Learn whether UnitedHealthcare covers cataract surgery and what you'll pay out-of-pocket.

Cataract surgery is often an essential treatment, but many people find the out-of-pocket costs unaffordable. Fortunately, private healthcare insurance can help cover many of the costs associated with cataract care services. 

UnitedHealthcare is a well-known private insurer that sells various Medicare Advantage and Medigap policies. This article explains whether UnitedHealthcare covers cataract surgery and how much you'll contribute toward the cost of your care. 

Does UnitedHealthcare Cover Cataract Surgery?

Original Medicare doesn't cover routine vision care, but it does include treatment for cataracts. Therefore, you can expect your UnitedHealthcare Medicare Advantage Plan to cover cataract surgery. Your plan will likely cover other cataract care services as well, such as corrective glasses and lenses. 

Some UnitedHealthcare plans also include additional vision care benefits. Many policies come with Part D prescription drug coverage; you can purchase Part D coverage separately if your plan doesn't include it. While Original Medicare doesn't cover prescription medications, your UnitedHealthcare plan may cover the cost of any drugs you need after surgery. 

How Much Is Cataract Surgery?

Cataract surgery usually costs between $3,500 and $7,000 per eye if you self-fund your treatment. However, prices can vary significantly depending on where you live and who performs the surgery. The technique your surgeon uses can also impact the overall cost of your treatment. 

If you have an AARP/UnitedHealthcare Medicare Advantage plan, your coinsurance, deductibles and other costs may vary depending on your plan. Be sure to talk with your doctor and your Medicare Advantage insurance carrier to find out your costs before getting surgery.

How Much Does Cataract Surgery Cost With a UnitedHealthcare Medicare Advantage Plan?

How much you'll pay for cataract surgery depends on which UnitedHealthcare Medicare Advantage plan you have. Generally, Medicare Part B covers cataract surgery because it's usually performed in an outpatient clinic, and most people won't require a hospital stay afterward. Medicare pays 80% of the treatment costs, and the beneficiary contributes 20%. You'll also pay a deductible of $233.

However, some UnitedHealthcare policies charge lower deductibles than Original Medicare, so you may pay less out-of-pocket for your treatment. Some plans require you to use an in-network provider, and it's often cheaper to have surgery through an in-network provider, even if your plan covers out-of-network treatment. 

How Much Is Cataract Surgery With a UnitedHealthcare Medigap Plan?

Purchasing a Medicare Supplement Insurance (Medigap) plan through UnitedHealthcare is an alternative to a Medicare Advantage policy. UnitedHealthcare Medigap plans supplement your Original Medicare coverage. Therefore, your regular Medicare plan covers 80% of the cost of your surgery, minus the deductible. 

Depending on your plan, an AARP/UnitedHealthcare Medigap policy could save you money on the cost of your cataract surgery. Plan G, for example, can help pay your Part B coinsurance costs, your Part A deductible and coinsurance (if you receive inpatient care) and more. 

Compare Medicare Supplement plans online for free and find a plan that helps pay your out-of-pocket Medicare costs and fits your budget.

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