Met Your Health Insurance Deductible? Schedule Cataract Surgery

If you have already met your healthcare deductible for the year and need cataract surgery, now is the time to schedule your procedure.

Cataract Surgery: The Most Common Eye Surgery

Cataract surgery is the most common surgery performed in the United States, and studies show it is one of the safest. In 2015, 3.6 million Americans chose cataract surgery to restore their vision, and the number continues to grow each year. Cataract surgery can restore vision loss by replacing a clouded lens with a clear prescription intraocular lens (IOL) that is customized for your eye.

How Much Will Cataract Surgery Cost?

The cost of cataract surgery will depend on your geographic location, the type of procedure you want (laser-assisted or traditional), the IOL you select and the surgeon and facility you choose.

Most private health plans have a deductible, a set amount you have to pay out-of-pocket for covered medical expenses before your insurance begins to pay. For example, you may have a $1,500 deductible. When you have spent $1,500 toward covered services, you usually only have to pay a co-pay or coinsurance for future covered medical expenses.

If you are on Medicare, you also have an out-of-pocket maximum you must meet. This is the maximum amount you have to pay each year for covered medical expenses before your Medicare plan pays 100 percent of your covered services.

Call Your Insurance Plan’s Member Services Department

The best way to plan for cataract surgery, or any other eye procedure, is to call the member services department for your insurance plan. During the phone call, you can ask:

  • How much is my deductible?
  • Have I met my deductible? If not, how close am I to meeting my deductible?
  • What medical expenses count toward my deductible (visits to your primary care physician, specialist visits, prescriptions, medical procedures, etc.)?
  • What ophthalmologists are on the list of in-network providers for my insurance plan?
  • What facilities are in-network for my cataract surgery?

Consider an Ambulatory Surgery Center (ASC)

Often cataract surgery and other elective eye procedures are more cost-effective when you choose an ambulatory surgery center (ASC) instead of a traditional hospital. Cataract surgery is considered an outpatient procedure, so most patients can expect to return home a few hours after the surgery. When you choose an ASC, you are not sacrificing quality or selection of premium services. Because an ASC specializes in specific procedures, it can offer high-quality medical services at an affordable price.

Call one of our board-certified ophthalmologists to schedule a cataract surgery consultation or click here for a list of board-certified ophthalmologists in your area. Then call your insurance company. Don’t wait until January when your deductible resets to zero. If you’ve already met your deductible, enjoy the savings your plan can offer today.

Related Articles:

Cataract Surgery: Little Risk, Great Rewards
Laser-Assisted Cataract Surgery
How to Choose the Right IOL
Questions to Ask Your Surgeon