How Much Does Cataract Surgery Cost?

Learn cataract surgery cost, insurance coverage, and lens options. See pricing and what you’ll actually pay.

The Average Cost of Cataract Surgery

Cataract surgery costs can vary, depending on your insurance, the type of lens you choose, and your vision goals after surgery. In most cases, cataract surgery falls into two categories:

1. Insurance-Covered Cataract Surgery

Cataract surgery is considered a medically necessary procedure, therefore most insurance providers (including Medicare) cover the standard treatment required to fix the medical problem. A monofocal lens meets that requirement.

A monofocal lens is a single-focus implant. It replaces your natural lens and restores clarity at one fixed distance, typically set for distance vision. It does not actively adjust focus or provide multiple ranges of vision.

Smiling older adult at laptop learning the differences between glaucoma and cataracts and how much cataract surgery costs.
Cataract surgery lens: a shiny silver sphere with blue curved ribbons looping around it.

2. Advanced Cataract Surgery Options (Out-of-Pocket Upgrades)

If you want to reduce your dependence on glasses, you may choose to upgrade your lenses. These are not covered by insurance but offer more visual freedom.

Multifocal / Trifocal / Extended Range Lenses

→ Around $4,250 per eye
→ Designed for distance, intermediate, and near vision

Toric Lenses (Astigmatism Correction)

→ Around $3,295 per eye
→ Improves clarity and reduces astigmatism

Enhanced Monofocal (Astigmatism Correction)

→ Around $1,995 per eye
→ Better clarity at one distance with reduced astigmatism

How to Pay for Cataract Surgery

Insurance

Insurance plans and Medicare typically cover:

  • The cataract procedure
  • A standard monofocal lens implant
  • Basic pre- and post-operative care

 

Note: You may still have deductibles, co-pays, or coinsurance

FSA or HSA

If you have an FSA (Flexible Spending Account) or an HSA (Health Savings Account), you can use those funds toward cataract surgery.

These accounts allow you to:

  • Pay for out-of-pocket costs with pre-tax dollars
  • Cover expenses like deductibles, co-pays, and even advanced lens upgrades

Flexible Financing

We offer financing options that allow you to break the cost of cataract surgery into manageable monthly payments.

With financing, you can:

  • Spread payments out over time
  • Choose a plan that fits your budget
  • Get the care you need now instead of waiting

 

Our Third-Party Options

Couple holding each other in the mountains after cataract surgery.

Schedule Your Cataract Consultation

The best way to understand your exact cost is through a personalized evaluation.

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