How Much Is Cataract Surgery?
The average cost of this procedure will vary. The majority of patients who require cataract surgery will be covered by either private insurance or Medicare coverage. Of course, in both cases, you’ll need to have met both your deductible and copay for the insurance to kick in so there may be an out of pocket cost. When private insurance and Medicare are not options, employer insurance (usually a flexible spending account) may help you pay for your cataract surgery.
Cataract eye surgery can correct vision problems like a refractive error (near and farsightedness) and reduce the need for contact lenses or glasses. This surgical procedure helps restore clear vision for cataract patients.
What Influences the Cost of Cataract Surgery?
Cataract surgery is influenced by three main factors, including:
What surgical techniques will be used
Insurance may refuse to cover techniques such as laser cataract surgery (also called laser-assisted cataract surgery) and other specialized procedures. If you opt for these more advanced techniques, therefore, you can expect to pay more.
Your choice of artificial lens
Standard lenses are typically covered in full, but if you opt for a premium iol (such as a toric iol to fix astigmatism), prices may go up, and insurance may not cover the added cost.
Severity of the Symptoms
Certain insurance companies will decline coverage if the symptoms are not severe enough and the cataracts have not fully developed. At the same time, most doctors advise taking care of cataracts as soon as symptoms begin to appear.
Cataracts Effect on Everyday Activities
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Learn More About Cataract Financing Options
Kleiman Evangelista Eye Centers offers patient-friendly financing options for those who do not have Medicare or private insurance. If you have questions about financing, one of our financial counselors would be happy to speak with you during your VIP consult appointment. Our goal is to work with you to find a payment plan that works for you.
The type of artificial intraocular lens you pick to replace your cataract-clouded lens can also affect the price of cataract removal surgery. If you choose standard cataract surgery with monofocal lenses, most are covered by 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 premium 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. Your cataract surgeon will discuss your options with you.
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. Advancements in technology allow this to be an outpatient procedure.
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.