Cataract surgery with Medicare: costs and lens upgrades

What Medicare pays for cataract surgery with a standard lens, the extra cost of premium lenses, and the one pair of glasses covered afterward.

Cataract surgery is one of the most common procedures for people on Medicare. Part B covers it with a standard intraocular lens.

What you pay

20% of the Medicare-approved amount for the surgeon and facility after the Part B deductible, per eye.

Premium lenses

Multifocal and astigmatism-correcting lenses cost extra, and Medicare doesn't pay the difference. Expect a separate out-of-pocket charge per eye.

Glasses afterward

Medicare covers one pair of standard glasses or contacts after surgery with an intraocular lens. See Medicare and vision.

Medigap

Medigap pays the 20% for the covered part, not the premium-lens upgrade. In Florida, Maru Insurance can compare supplement plans.

Questions people ask

Does Medicare cover cataract surgery?

Yes, under Part B with a standard lens.

Are premium lenses covered?

No, you pay the upgrade cost.

Are glasses covered after surgery?

One pair of standard glasses or contacts.

Does Medigap pay the lens upgrade?

No.

Independent educational site. Not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any insurance company. Figures are 2026 amounts published by CMS unless noted; check Medicare.gov for your situation.