Medicare has been around for quite sometime now and for those of you who do not have a lot of knowledge about Medicare, Medicare is the and children system which is financed by the government.
It is the insulin system specially for people over 65 years.
The ways in which this program is funded are plenty and some of these are from the help of payroll taxes and also from the premiums which are to be collected by the individuals which are covered under this scheme.
One of the most common questions which you would hear about Medicare is that does Medicare cover eye exams?
The answer to that question is yes but to a limited extent.
What kind of and to what extent does Medicare cover eye exams?
If you’re speaking about the most basic Medicare which is present for most of the people over 65 years then you would notice that most of the eye exams are not covered. If you’re speaking about the supplemental policy of the Medicare insurance, then some of the eye exams would be covered and also other expenses related to the eye exams like the glasses which are prescribed order contact lenses which are prescribed or the other tests which are needed for the eye exams would also be covered as well.
This always depends on the terms and conditions of the supplemental policy which you are getting for Medicare and therefore you had to always read the terms and conditions because I exams can be pretty expensive especially when you’re thinking about the detailed eye exams and therefore you had to read the terms and conditions of the supplemental Medicare policy and only then think about getting it.
Eye exams for risk individuals:
If you check the terms and conditions of the part B of the Medicare policy then you would realise that one examination for the eye which is annual for the diabetics is rooted in the Medicare policy.
Another eye exam which is included is the gluacoma test. The eye exams which are covered also depend on the ethnicity of the person whom we are speaking about as African-Americans above 50 have this facility whereas Hispanic-Americans above 65 have this facility included in their Medicare policy.
You would only be able to get to know about this if you carefully check the terms and conditions of the Medicare policy.
Co-pay for a exams and Medicare policy:
For a exam which is covered in the Medicare policy, in most of the cases a charge of 20% is decided as the co-pay amount. There is also a deductible amount which is included in the policy as well in the current year that is 2015, it has reached $147 annually.
In this case, the amount which you would be paying would only be 20% of the total amount and if you want to reduce that amount as well then you can easily think about getting a Medigap plan which would further reduce the 20% which you had to pay.
If you cannot afford the Medicare program then you can also think about eyecare America which is another federal program which ensures that you are able to get high exams which are related to the vision if you are older than 65. This would not make you co-pay the 20% amount.
Other eye exams:
The supplemental Medicare policy also covers some of the other eye exams as well as the eye surgeries for glaucoma and cataracts and other medical problems which are related to the eye. There is any vision problem in your eye, then that would be also covered by the insurance.
The test which are required for this vision problem to be detected would also be covered by the insurance. If you are prescribed any type of glasses by the doctor, or contact lenses by the doctor then that would also be covered in the insurance. In case, the problem which was detected is not related to the vision of your eye then also it would be covered in the insurance in most of the cases.
As you can see in most of the cases, the most basic test which are required for the eye exams are included in the Medicare and therefore you would not have to spend anything extra in order to get them done. This is however covered under the supplemental Medicare policy and therefore you have to ensure that you are thinking of getting that if you want to make sure that the eye exams are covered under this policy.
From time to time the terms and conditions of the Medicare policy would be changing as well and therefore you have to ensure that you are familiar with the latest terms and conditions whenever you are thinking about the eye exams which are covered by the Medicare policy.
As you can see, in most of the cases the part B of the Medicare supplemental policy would cover most of the eye exams which you have to go through but you would have to think about the 20% co-pay and if you’re not able to do that then there are other options which you have in which you would not have to pay the 20% co-pay as long as you are over 65. You to look at all of these options and you had to find out which are the options which you want to of four whenever you’re speaking about the Medicare and whenever you’re speaking about the eye exams.
Eye exams can be pretty expensive but if you’re under the Medicare policy then you can easily reduce the cost and get good eyecare as well. For this you need to be in the know about the terms and conditions about the Medicare policy and only once you have done so you would be able to make the final decision about the eyecare program and whether or not the eyecare test which you want to go through would be covered by the Medicare or not.
So, if you want to go for the eye exams, you can just do so because the part B of the Medicare includes the eye exams which you need.