Learning the Fine Print in my Health Insurance Coverage

I recently had cataract surgery, which Medicare covers.   I also found out that Medicare will cover cost of corrective glasses since I got single focal cataract lenses.  I thought this would be easy to do.   Haha.

I called my Medicare Advantage Insurance company to clarify the coverage and process.   Here's what I found out:

• Medicare only covers the cost of 1 pair to glasses with a standard frame including anti-reflective and UV lenses.  Subsequent glasses are 100% my responsibility
• The provider needs to fill out paperwork to be submitted with my request for reimbursement to verify I am qualified for the benefit.
• I need to pay for the glasses and submit for reimbursement.
• The expense is expected to be done within 3 months of the surgery.

Originally, I was just expecting to go to provider, present my prescription, and have the provider submit to my insurance.   Wrong.  Good thing I checked and learned the above.   

I will be using another provider other than my usual one.   I will bring all my support documentation and have a new provider that complies with the rules and paperwork requirements in the next few days.

For more on Reaping the Rewards, check back every Friday for a new segment.

This is not financial nor corrective glasses advice. Please consult a professional advisor.

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