How Much Does Cataract Surgery Cost In San Leandro, California
The costs of cataract surgery in San Leandro, California depend on various factors, such as eye health, age, medical history, or past eye surgery. A primary factor, however, depends on your health insurance plan through Medicaid, Medicare, or even private medical insurance. From a recent report, patients without any medical insurance had an out-of-pocket cost between $3,600 and $6,000 for each eye.
- The type of technology used during surgery.
- The type of intraocular lens (IOL) implanted in the eye during the surgery.
- The years of experience, skill, and competency of the cataract surgeon.
Fortunately, the majority of cataract surgery procedures carried out in the U.S. are either partially or fully covered by medical insurance. This is to help the patient save on the overall cost of the procedure and help people get back to their daily lives. Cataract surgery is categorized as a medically necessary procedure.
Affordable Or Low Cost Cataract Surgery in San Leandro
Patients who are relying solely on their medical insurance will likely opt for cataract surgery at the lowest cost. The industry standard for a low-cost cataract surgery is to replace the natural lens with a monofocal intraocular lens (IOL), which often requires little to no added cost. A monofocal lens will often correct either nearsightedness or farsightedness in the patient. The patient may only be required to pay their deductible and/or co-payments as specified in their insurance policy.
However, for patients seeking to improve their vision further, opting for a presbyopia-correcting IOL or a premium Toric IOL for astigmatism will require that patients pay the additional cost incurred as a result of these advanced techniques. However, the benefits are well worth the added costs.
Determining The Cost Of Cataract Surgery Without Insurance
While most patients who undergo cataract surgery in San Leandro, California have some form of medical insurance, a patient without insurance will need to pay the cost out-of-pocket. Fortunately, a number of payment plans and options for monthly options are nearly always available through the clinic or a 3rd party creditor.
Similarly, some patients who aren’t candidates for LASIK can elect for a quasi-cataract surgery procedure referred to as refractive lens exchange (RLE).
The refractive lens exchange procedure is carried out the same way as cataract surgery. The only difference is that the natural lens of the eye which is removed in RLE is not yet clouded like that of cataract. The natural lens of the eye will be replaced with an IOL. A refractive lens exchange like any cataract surgery will help correct eye defects such as near or farsightedness. Thus, reducing patient’s dependence on eyeglasses or contacts.
The refractive lens exchange procedure with a standard monofocal IOL implant costs the same amount as cataract surgery. Plus, a procedure that uses a Toric IOL for astigmatism or presbyopia-correcting IOL will increase the cost of the surgery as well.
Cost Of "Out-Of-Pocket" Cataract Surgery With Insurance
“Out-Of-Pocket” expenses for cataract surgery can also refer to any additional costs of the procedure, which may not even be covered by your medical insurance policy. Medical insurance covers procedures that are medically necessary, but any product or add-on involved might not be considered as medically necessary, which means, no coverage.
For instance, implanting a standard monofocal IOL during cataract surgery would be considered medically necessary because it is the standard of eye care. Since the natural lens of the eye is removed during the procedure, there is a need to replace it with an artificial lens. If not, your vision may not be restored.
Your visual acuity will vary based on the type of IOL you use. Standard monofocal IOL gives patients excellent distant vision, but only for one distance — near vision or distance vision. This type of vision correction is usually covered by insurance, but when patients opt for both, better near & distance vision, patients may need a premium IOL that carries an out-of-pocket expense.
Alternatively, when a standard monofocal IOL is used for patients that have astigmatism before their cataract surgery, they will still require prescription eyeglasses to correct their astigmatism after the cataract surgery. But, if the patient wants an IOL that corrects their astigmatism, it's up to their insurance provider to decide if that's a medical necessity or an additional out-of-pocket expense.
When patients want to be able to see without using any eyeglasses or contact lenses, premium IOLs are the clear way to go. Advancements in the intraocular lens and surgical technology has allowed patients to experience clear vision at near and far regardless of their age and prior visual sharpness.
Premium IOLs often lead to additional costs that are not covered by medical insurance, yet their benefits are permanent and effective.
Why continue to wear prescription eyeglasses or contacts after cataract surgery? The one-time additional cost from advanced procedures for cataract surgery may be a suitable alternative that can be budgeted effectively.