Sunday, April 21, 2024

Aarp Medicare Advantage Vision Providers

How Does Medicare Advantage Cover Vision

Get Medicare with Vision Coverage from UnitedHealthcare

Medicare Advantage plans provide at least the same vision coverage as Original Medicare, but many add benefits like routine eye exams and eyewear.

At a minimum, Medicare Advantage plans provide vision benefits equal to those offered by Original Medicare. This includes eyewear after cataract surgery, prosthetics and care related to diabetes, glaucoma and macular degeneration. Many Medicare Advantage policies add benefits not covered by Original Medicare, like eyewear and regular vision exams. Costs and coverage vary, so it’s important to check plan documents to find a policy that suits your needs and budget.

Medicare Advantage vision coverage at a glance

  • 98% of plans offer added vision benefits
  • Over 50% of plans require prior approval
  • Most policies have coverage limits of $100-$200 per year
  • Eyewear is generally covered every one or two years

Unitedhealthcare Vision Insurance Customer Reviews

UnitedHealthcare vision insurance beneficiaries are overall happy with their experience.

  • UnitedHealthcare Vision ranked the highest in customer satisfaction in the J.D. Power 2021 U.S. Vision Plan Satisfaction Report. UnitedHealthcare scored 825 out of 1,000, far outperforming the industry average of 769.3
  • UnitedHealthcare is rated 3.5 out of five stars by Consumer Affairs.4

List Of Possible Vision Services Under Medicare Advantage

Like Original Medicare, Medicare Advantage covers vision care for people with certain diagnosed medical conditions, people at high risk for certain eye disorders, and people who have concerning symptoms requiring evaluation.

This coverage may include office visits, tests, and even certain surgeries, including:

  • Cataract surgery
  • Panretinal laser photocoagulation

What is covered beyond that is what draws people to Medicare Advantage. In 2021, as many as 99% of Medicare Advantage plans offered coverage for routine eye exams and eyeglasses.

That said, most of these plans have a cap on how much they will pay toward eye care, what kinds of eyewear you can get, and how often certain services can be used, including:

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Dental And Vision Plans With Medicare Advantage


I would appreciate advice re the following question:

My Medicare Advantage plan for 2021 offers Dental and Vision coverage. I can also buy separate Dental and Vision insurance. Should I buy the extra Dental/Vision coverage?

Thanks in advance for any guidance on this.

@fr8935 don’t buy/use either. You will be disappointed.

D& V is nothing more than window dressing for MAPD plans.

Yes, you can buy as many dental/vision plans as you like. Just don’t ask your dental provider to file claims for you.

Huh ? Are you saying all Advantage plans are going to rip us off in one way or another ?

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How Does Medicare Cover Vision Care And Eye Exams

Medicare Advantage Plans

Find Cheap Medicare Plans in Your Area

When it comes to vision care, Medicare Advantage plans generally offer lower costs and more coverage than Original Medicare. If you are shopping for a plan and need routine vision benefits like exams and eyewear, we recommend starting with Medicare Advantage options.

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Health Care Services And Medical Supplies

AARP Medicare Advantage Focus covers a range of additional benefits. Learn more about AARP Medicare Advantage Focus benefits, some of which may not be covered by Original Medicare .


For California residents, CA-Do Not Sell My Personal Info, .

1 According to internal data from TZ Insurance Solutions in 2021. is powered by TZ Insurance Solutions LLC, a non-government licensed health insurance agency. Not affiliated with or endorsed by any government agency. does not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE to get information on all of your options.

Not all plans offer all of these benefits. Availability of benefits and plans varies by carrier and location. Deductibles, copays, coinsurance, limitations, and exclusions may apply.

Enrollment in the described plan type may be limited to certain times of the year unless you qualify for a Special Enrollment Period.


What If I Need Vision Care That Medicare Does Not Cover

If you need care that your Medicare plan does not cover, the National Eye Institute website has a list of helpful resources for free or low-cost eye care.

You also may want to consider a private vision plan or discount program. Private plans often offer benefit levels ranging from routine to specialty care, so you can tailor coverage to meet your needs. When reviewing plans, watch for coverage limits, network restrictions and out-of-pocket expenses like deductibles and copays.

Read Also: Vision Doctors That Accept Medical

Aarp Medicare Supplement Insurance Plans

AARP endorses the AARP Medicare Supplement Insurance Plans, insured by UnitedHealthcare.

AARP Medicare Supplement Insurance Plans are insured by UnitedHealthcare Insurance Company, Hartford, CT or UnitedHealthcare Insurance Company of America, Schaumburg, IL or UnitedHealthcare Insurance Company of New York, Islandia, NY . Each insurer has sole financial responsibility for its products. Policy form No. GRP 79171 GPS-1 .

You must be an AARP member to enroll in an AARP Medicare Supplement Plan.

In some states, plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease.

Not connected with or endorsed by the U.S. Government or the federal Medicare program.

This is a solicitation of insurance. A licensed insurance agent/producer may contact you.


Unitedhealthcare Senior Care Options Plan

Medicare Advantage vision care

UnitedHealthcare SCO is a Coordinated Care plan with a Medicare contract and a contract with the Commonwealth of Massachusetts Medicaid program. Enrollment in the plan depends on the plans contract renewal with Medicare. This plan is a voluntary program that is available to anyone 65 and older who qualifies for MassHealth Standard and Original Medicare. If you have MassHealth Standard, but you do not qualify for Original Medicare, you may still be eligible to enroll in our MassHealth Senior Care Option plan and receive all of your MassHealth benefits through our SCO program.

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What Are The Differences Between Vision And Medical Insurance

Insurance is complicated. It varies based on employer, age and location, and unfortunately, no comprehensive guide exists to navigate it. Here is some information about the differences between medical and vision insurance and what to use when. Specifics will be dependent on your providers, but this should help you better distinguish between whats available to you.

Does Medicare Cover Dental And Vision

Medicare Interactive notes that Original Medicare does not cover most dental services that you primarily need for good maintenance of your oral health, including:

  • Routine checkups
  • Tooth extractions

If you undergo any of these dental procedures, you’ll typically have to bear the full cost of the treatment unless you have private dental coverage.

Although Medicare does not pay for dental health services which you need primarily for the good health of your teeth, it does cover a limited number of dental procedures that are essential for your general health, or which are required for the success of another medicare-covered health service. For example, it may cover:

  • Examination of your oral cavity in the hospital before a kidney transplant
  • Dental treatment required before radiation therapy for oral cancer.
  • Reconstruction of the jaw bone after the removal of a facial tumor.
  • Surgery to rectify fractures of the face or jaw
  • An oral examination before valve replacement in the heart.
  • Dental splints and wiring that may be necessary after jaw surgery

One important point to note here is that Medicare will cover these initial dental services, but it will not pay for any follow-up dental care after the treatment or procedure has been completed.

âMedicare also does not cover regular eye exams for contact lenses or glasses. However, if you have a chronic eye condition like cataracts or glaucoma, Medicare does cover certain eye care services, such as:

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Aarp Unitedhealthcare Medicare Advantage Plans At A Glance

  • Although the provider network for AARP United Healthcare Medicare Advantage plans is the largest in the country, your choice of plans or doctors may be limited depending on where you live.
  • AARP United Healthcare provides health maintenance organizations plans and preferred provider organization plans, many of which require low or $0 premiums. PPO plans also provide unrestricted access to out-of-network providers, but you may pay a higher monthly premium.
  • A 2022 report from the U.S Department of Health and Human Services, found that Medicare Advantage organizations denied or delayed requests for medical services such as MRIs or CT scans, even when those services met Medicare coverage rules. Although specific plans werent named, this information is important for consumers.

Medicare Advantage Enrollment Window

United Healthcare Aarp Plan N

You can sign up for a Medicare Advantage plan when you first become eligible for Medicare. This Initial Enrollment Period happens when you turn 65. It starts three months before and ends three months after your birth month.

If you have a qualifying disability, you may be able to sign up for Medicare regardless of your age. You are eligible after being on Social Security Disability Insurance for 24 months. Benefits start sooner for people with amyotrophic lateral sclerosis or end-stage renal disease.

You also have the opportunity to change Medicare plans each year. The Medicare Open Enrollment Period, also called the Annual Enrollment Period, takes place from October 15 to December 7. During this period you can change from Original Medicare to a Medicare Advantage plan, or vice versa. You can also change from one Medicare Advantage plan to another Medicare Advantage plan.

If you find that the Medicare Advantage plan you chose is not the right one for you, you may be able to change it before the next Open Enrollment Period by utilizing the Medicare Advantage Enrollment Period from January 1 to March 31. This enrollment period is not available to people on Original Medicare.

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How Can I Use Insurance For My Eye Exam

You can get an annual eye exam using your medical insurance, but it would only include examining for eye conditions and would not cover a prescription for any type of corrective lenses. If you need both care for an eye condition as well as a wellness exam with refraction, you might have to make two different appointments because both insurances can legally not be billed for the same encounter. This can be avoided by paying out of pocket for your refraction and prescription. If you are only interested in getting a routine eye exam and refraction benefit from your vision insurance you will need to do both at the same time, on the same day, otherwise youll end up paying separately for both.

We encourage everyone to schedule an annual eye exam to catch eye conditions early and keep your eyes healthy. Visit the nearest Barnet Dulaney Perkins practice near you or call to schedule an appointment. If youre unsure of whether you should use your vision or medical benefits, ask your eye doctor. They deal with both types of insurance every day and will help you with how best to get coverage.

What Providers Accept Unitedhealthcare Vision Insurance

The UnitedHealthcare provider network includes more than 1.3 million doctors and other health care professionals and 6,500 hospitals and health care facilities nationwide. When it comes to UnitedHealthcare vision care providers, UHC Medicare plan members have access to local private practices and large retail chains like Walmart, Costco, Visionworks, Target Optical and more.

In fact, UnitedHealthcare recently expanded its network of online and in-store vision providers to include LensCrafters, 1-800 Contacts and GlassesUSA. The UHC network now includes 96% of the nations top retailers, and 99% of UHC plan members in major markets have access to a network provider within two miles of their home.2

You can use the provider search tool at to search for eye doctors, ophthalmologists and other health care providers near you. You can also search for eye doctors near you by logging into your myuhc online account or by using the UnitedHealthcare app.

You may sometimes see UnitedHealthcare vision care provider networks referred to us as Spectera Eyecare Networks.

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What Medicare Vision Coverage Is Available Under Unitedhealthcare Medicare Advantage Plans

If you enroll in a UnitedHealthcare Medicare Advantage plan, you may be able to get Medicare coverage for routine vision care in one of two ways:

  • Some UnitedHealthcare Medicare Advantage plans include coverage for routine vision care as part of their overall plan benefits.
  • You may be able to add an optional supplemental rider to your UnitedHealthcare Medicare Advantage plan to cover routine vision care an extra monthly premium may be required.
  • Itâs important to remember that no matter which plan you choose for your Medicare vision coverage, you must continue to pay your Part B premium each month. In addition, some plans may require an additional monthly premium to UnitedHealthcare, as well. Plan coverage details, availability, and premiums may vary depending on the plan you choose and where you live. Find out more about Medicare Advantage plans and when you can enroll.

    What Medicare Vision Coverage Is Available Under Original Medicare

    UnitedHealthcare Medicare Advantage plan overview 2022 (long version)

    The Medicare Advantage program was created by Congress in 2003 to offer beneficiaries an alternative way to get their Original Medicare benefits, according to the Center for Medicare & Medicaid Services. When you enroll in a UnitedHealthcare Medicare Advantage plan, you get not only your Medicare Part A and Part B benefits â but many UHC plans carry additional benefits, such as routine vision care, prescription drug coverage, and more, depending on the plan you select.

    Under Original Medicare, Medicare vision coverage is limited to medically necessary expenses involved in the treatment of injuries and diseases of the eyes. For example, Medicare Part B may cover eye exams to screen for glaucoma if youâre at high risk for the disease, or diabetic retinopathy if you have diabetes. Part B may also cover artificial eyes when medically necessary and obtained from a Medicare-approved supplier.

    Medicare generally covers medically necessary cataract surgery, as well as one pair of corrective lenses after the surgery.

    In most cases, however, Original Medicare doesnât cover routine vision care services such as:

    • Annual eye examinations and screening tests for glaucoma
    • Prescription eyewear

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    Eye Boutique Accepts Vision Insurance From Unitedhealthcare

    Our eye doctors take UnitedHealthCare Vision plans at all our locations. Whether you have UHC vision coverage as an individual, family, or through your employer’s group plan, you’re covered at Eye Boutique.

    We offer free benefit checks for UHC Vision members. Just visit one of our stores or call and we’ll check your plan and explain in plain language what’s covered. You don’t even need a printed vision benefits ID card.

    We’ll help you get the most from your UnitedHealthCare Vision benefits

    UnitedHealthCares vision plans typically include coverage for exams, lenses, frames and contact lenses. Because insurance plans are always subject to change, well verify everything your plan covers and help you identify ways to maximize the benefits for you and your family.

    We work with vision insurance companies all the time, and understand the different strategies they employ to keep their own costs down. Take advantage of our expertise and let us show you the best way to get the eye care and eyewear you need while taking the least from your own pocket.

    This list of UnitedHealthCare Vision benefits may not match your specific plan. Copays may apply. Please contact Eye Boutique for a free insurance check to find out your plans coverage and out-of-pocket cost details.

    Typically, UHC Vision covers:

    Is Routine Vision Coverage Included In All Unitedhealthcare Medicare Advantage Plans

    Not all UnitedHealthcare Medicare Advantage plans may be available in all locations, and plan benefits, including routine vision care, may vary among plans. If coverage for routine vision care is important to you, be sure to check plan benefits carefully as you compare plans available in your area.

    Some UHC Medicare Advantage plans may require you to see certain health-care providers in order to use your benefits, or may offer you lower out-of-pocket costs if you choose network providers.

    You may also have copayments, coinsurance amounts, and deductibles with your plan, and there may be an annual limit on vision care benefits each plan year.


    Medicare information is everywhere. What is hard is knowing which information to trust. Because eHealthâs Medicare related content is compliant with CMS regulations, you can rest assured youâre getting accurate information so you can make the right decisions for your coverage.Read more to learn about our Compliance Program.

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    Does Medicare Cover Eye Exams

    While Medicare doesn’t cover routine vision exams, you can get eye checkups for certain medical concerns.

    Medicare will pay for regular tests if you’re at risk for or have been diagnosed with diabetes, glaucoma or macular degeneration. If you don’t have these conditions and are on Original Medicare, you’ll pay the full price for a routine eye exam, which is between $170 and $200, on average.

    Does Unitedhealthcare Medicare Cover Glasses

    Medicare Supplement

    UnitedHealthcare Medicare Advantage plans that offer vision benefits can help cover some of the vision care that Original Medicare doesnt cover.

    Each plan also differs slightly in its cost and coverage. Some UnitedHealthcare Medicare plans may cover routine vision services such as eye exams in full.

    Some of the vision benefits that may be offered can include:

    • Corrective glasses lenses
    • Glaucoma screenings
    • Annual diabetic retinal examinations

    Each plan will include its own terms and conditions regarding glasses, contact lenses and other services, as well as the costs associated with approved vision care.

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