Making Cataract Surgery Affordable
In the majority of cases, as long as you’ve met your deductible and copay, both private insurance and Medicare will cover the cost of cataract surgery. Alternatively, if you have a health insurance policy through your employer, you may be able to use a flexible spending account to pay for surgery. Regardless of who is paying, there are a few factors that can affect the cost of your procedure.
Cataracts Effect on Everyday Activities
Your Lens Choice
The most precise results using state of the art technology.
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Severity of Your Symptoms
Because cataracts typically take quite some time to develop, some insurance companies may decline to cover the cost of cataract surgery until your vision has been impaired to the point that it affects your ability to perform everyday activities.
Depending on your lifestyle, it may be worth it to pay more to have the procedure before your cataracts develop fully. Even if you don’t meet your insurer’s preset requirements, your ophthalmologist can still recommend you for surgery.
The type of artificial intraocular lens you pick to replace your cataract-clouded lens can also affect the price of surgery. Monofocal intraocular lenses are covered by most insurance plans, though you may still be responsible for deductibles and/or copays.
Selecting a premium intraocular lens like a toric or multifocal lens may increase the price of surgery. Both of these lenses provide additional lifestyle benefits — toric lenses correct astigmatism, for instance — but most insurance providers view opting for a premium lens as a personal choice rather than a medical necessity.
The techniques used during your procedure tend to affect the cost of surgery, as well. Insurance providers usually will not fully cover procedures performed with advanced techniques like laser incisions. That said, there are clear advantages to laser techniques — including improved intraoperative precision and faster recovery times — so for some patients, it may be worth the investment.
Flexible Financing Options
If you’re considering having surgery to remove a cataract, we encourage you to schedule a VIP consultation with an ophthalmologist at Kleiman Evangelista Eye Centers of Texas. During your consultation, we’ll be able to get a sense for the health of your eyes and provide a recommendation as to your best course of action.
If your insurance doesn’t cover the full balance of your procedure, we’ll work with you to craft a payment plan that fits your monthly budget. We have several different payment options available, including zero percent financing for the first two years with no down payment (subject to credit approval). During your consultation, our team of surgical counselors will help you figure out what your insurance policy covers, what payment options are available, and how to make cataract surgery as affordable as possible.
Schedule Your VIP Consult.
For fastest service during hours 8am-5pm M-F, Sat 12-5pm, call us at 800-714-2020. Otherwise fill out the form below to schedule your VIP consultation.