Low-income families struggle to pay for primary eye care. Costs for vision exams, eyeglasses, and contacts pile up quickly – especially if you have many children!
But what if you need more expensive care?
Medicaid sometimes lends a hand, depending on where you live and if you qualify. The federal government establishes the program basics, and states decide whether to include extra services such as vision care.
Finding an eye care center that takes your plan is another challenge.
Articles On This Topic
Medicare Part B does not include vision benefits, while some Advantage Plans do. Therefore, finding a local optometrist hinges on your type of coverage.
All Medicare plans types cover treatment for eye diseases. Finding ophthalmologists has other wrinkles.
Most insurance plans classify the treatment as elective or cosmetic and do not pay benefits. Your employer’s flexible spending account may be the ideal way to pay for this procedure, as it is a qualifying expense.
Time the surgery to coincide with your new plan year.
The equation gets even murkier for low-income families who rely on Medicaid for coverage. Now state rules might limit benefits for exams, glasses, and contacts. Plus, fewer providers accept these patients.
Medicaid will often cover medically necessary procedures related to the eye. Correcting vision is hit or miss.