Last updated: March 2026
How Much Does Cataract Surgery Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Basic (monofocal lens) | $3,500 – $5,000 | $250 – $750 |
| Laser-Assisted | $4,500 – $6,000 | $1,000 – $2,000 |
| Premium Lens Upgrade | $5,000 – $7,000 | $1,500 – $3,500 |
CPT/ADA Code: 66984
What Affects the Cost
- Type of provider (optometrist vs. ophthalmologist)
- Retail chain vs. private practice
- Vision insurance vs. health insurance coverage
- Geographic location
- Technology and equipment used
- Whether the condition is routine or medical
Insurance Coverage
Typical coverage: Medicare/most plans cover basic surgery; premium lenses extra
Vision insurance (VSP, EyeMed) covers routine eye exams ($0-$30 copay) and provides allowances for glasses ($100-$200) or contacts ($100-$200) annually. Medical eye conditions (glaucoma, cataracts, infections) are covered by health insurance, not vision insurance. The ACA mandates pediatric vision coverage.
How to Save Money
- Walmart, Costco, and America's Best offer competitive pricing
- Online retailers (Zenni, EyeBuyDirect) save 50-80% on glasses
- Vision insurance plans start at $10-$15/month
- HSA/FSA funds can cover vision expenses tax-free
- Check for free eye care programs (EyeCare America, VISION USA)
- Buy frames at one place, lenses at another for best pricing
Related Procedures & Costs
Frequently Asked Questions
Yes — Part B covers at 80% after deductible. Standard monofocal lens included. Premium lens upgrades are patient-pay ($1,000-$3,000/eye).
Standard monofocal = good distance vision, still need reading glasses. Premium multifocal = reduced glasses dependence ($1,500-$3,000 extra/eye).
Improvement in 1-3 days. Full healing: 4-6 weeks. Most return to normal activities in a week.