Short answer up top, then the exact rule. Here's what Original Medicare does and doesn't cover for cataract surgery in 2026 — and where a Medicare Advantage plan can fill the gap.
Quick answer: Yes. Part B covers cataract surgery to remove the cataract and implant a standard intraocular lens — after the Part B deductible you pay 20% of the Medicare-approved amount. It also covers one pair of standard eyeglasses or one set of contacts afterward. This is the one situation where Medicare pays for eyewear.
Medicare Advantage (Part C) plans must cover cataract surgery at least as well as Original Medicare, but they use networks and set their own copays. Confirm the surgeon and facility are in-network and check the plan's copay before scheduling.
Anyone facing cataract surgery — one of the most common procedures seniors have. The surgery itself and a basic post-surgery pair of glasses are covered; plan to pay out of pocket only if you opt for a premium lens upgrade.
See the current Part A, Part B, and Part D numbers — premiums, deductibles, and the new drug cap — in one place. Free, no signup.
See 2026 Medicare Costs →After you meet the Part B deductible, you pay 20% of the Medicare-approved amount for the surgery and facility. A Medigap plan can cover part or all of that 20%. If you choose a premium (multifocal or toric) lens, you also pay the extra cost of the upgrade, which Medicare doesn't cover.
Yes. After cataract surgery that implants an intraocular lens, Part B covers one pair of standard eyeglasses or one set of contact lenses (you pay 20% after the deductible, plus any cost for upgraded frames). You must use a supplier that participates in Medicare.
Coverage gaps in Original Medicare — like cataract surgery — are exactly what a Medicare Advantage or Medigap plan is meant to fill. Our free Enrollment Finder shows the window you can switch in, and the guide library walks through the trade-offs. This page is free to share with anyone weighing their options.
Open the Enrollment Finder →This answer is based on U.S. government Medicare coverage rules: