Does health insurance cover lens replacement surgery?

Lens replacement surgery is an investment in yourself. You’re paying for a lifetime of restored visual clarity with one less problem.

Because this is a high-value treatment, they can often make us wince when we finally look at surgery fees. But the good news is that in some cases, insurance will cover lens replacement surgery. However, there are a few things you need to keep in mind.

When planning your procedure, check with your insurance company or health fund to see their coverage for this type of surgery.

Lens replacement surgery: What is eligible for insurance?

In general, you can find insurance for lens replacement surgery if you have been diagnosed with cataracts and not for cosmetic purposes.

Regarding the Medical Gap and Medicare Benefits Schedule schemes, you will not have access to these for lens replacement surgery, as these are not covered for this procedure.

Also, even if you have cataracts, your insurance company may only cover a portion of the cost of the surgery, so you will need to check with them to find out exactly what is covered. If you are self-insured or do not have insurance, you must pay for your cataract surgery privately, including the surgeon’s fees and any other out-of-pocket expenses.

See below the list of insurance companies we accept here.

When in doubt, always communicate with your insurance company directly to clarify what is and isn’t covered under your policy. Refractive lens exchange is a life-changing surgery you should be 100% sure about before moving forward.

If you’d like to find out about health insurance rebates or to book a free assessment with us.