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06.03.2026

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Title: What are the Medicare Parts? 

There are two main ways to get Medicare coverage: Original Medicare (Part A and Part B) which can be paired with additional coverage, or Medicare Advantage (Part C).

Original Medicare

Original Medicare is provided by the federal government, and includes: 

Part A - Hospital insurance

Part B - Medical insurance

Additional coverage options can be purchased for Medicare-approved services not covered by Original Medicare, including: 

Medigap - Medicare supplement insurance

Part D - Prescription drug coverage

Medicare Advantage (Part C)

Alternatively, you can purchase Medicare Advantage which replaces Original Medicare coverage, but includes:

Part A and Part B benefits

Often along with benefits for Part D, dental and vision insurance

Eye conditions covered under Medicare

Medicare Part B will pay for eye exams, tests and other treatments related to specific diseases and conditions listed below. In most cases, you will still have to pay some of the cost for these.

After you meet your Original Medicare Part B deductible, you’ll have to pay 20% of the Medicare-approved amount for these tests, exams, devices and treatments.

Cataract surgery

Cataracts can make vision cloudy or hazy. Original Medicare may cover cataract surgery, which removes the cloudy lens from the eye and replaces it with an artificial intraocular lens.⁴

Diabetic eye exams

If you have diabetes, Medicare Part B covers one eye exam for diabetic retinopathy each year. This condition can cause vision loss and blindness in people with diabetes.⁵

Glaucoma testing

Glaucoma is a group of diseases that can cause vision loss and blindness by damaging the optic nerve. Medicare Part B will cover an annual glaucoma test if you are at high risk.⁶

Macular degeneration testing

Age-related macular degeneration (AMD) happens when aging causes damage to the macula. If your doctor suspects that you have AMD, Medicare Part B may cover specific tests to diagnose it. If you have AMD, Medicare Part B may pay for treatment, including certain injectable drugs.⁷

Other eye treatments

Original Medicare may cover other treatments for eye conditions as needed. These could include surgery to repair the eye or area around the eye from an accident, injury or illness. Some examples might include surgery to repair a detached retina or a cornea transplant.