Medicare Coverage for Cataract Surgery (2026)

What Medicare covers for cataracts

• Cataract surgery (one or both eyes): Covered under Part B at 80% after deductible. Typical out-of-pocket: $200–$1,000 per eye depending on Medigap.
• Standard monofocal IOL: Included in surgery cost.
• Pre-op exams + post-op visits: Covered under Part B.
• One pair of glasses or contacts after surgery: Covered under Part B (but only standard frames).
• YAG laser capsulotomy: Common post-cataract procedure for posterior capsule opacification — covered.

What Medicare does NOT cover

• Premium IOLs (multifocal, toric, EDOF): $1,500–$4,000+ out-of-pocket per eye for upgrades that reduce need for glasses.
• Femtosecond laser-assisted cataract surgery: Out-of-pocket for the laser portion.
• LASIK or refractive surgery: Not covered.

Best plan structure for cataract patients

If you want maximum out-of-pocket protection on standard cataract surgery, Medigap Plan G covers the 20% Part B coinsurance — total cost is just the $283 Part B deductible.

Many MA plans include enhanced vision benefits (annual exam, frames allowance) but check coverage of premium IOLs — most plans don't cover the upgrade.