Does Aetna Cover Vision?
- Aetna offers insurance plans that cover vision care, both through standalone vision insurance policies and as part of some Aetna Medicare Advantage plans (Medicare Part C). Learn what some Aetna Advantage Medicare plans may cover for vision, eyeglasses and more.
Anyone who wears corrective lenses knows the value of having vision care covered by insurance. Aetna, one of the leaders of the insurance industry, provides vision coverage as part of some Medicare Advantage (Medicare Part C) plans and through standalone policies that may be added onto a Aetna individual or group health insurance plan.
What Kind of Vision Care Is Covered by an Aetna Medicare Advantage Plan?
An Aetna Medicare Advantage plan that includes dental benefits may provide coverage for things like:
- Annual eye exams
- Eyeglasses (lenses and frames) and contact lenses
- Screenings or diabetic retinopathy or other eye conditions
- Cataract surgery
How Does Vision Coverage Work With an Aetna Medicare Advantage Plan?
An Aetna Medicare Advantage plan with vision benefits may typically work in one of two ways.
- A network plan has a network of participating vision care providers you may see. The provider submits the claim to Aetna after administering care, and you may be responsible for a copayment or coinsurance.
- A direct member reimbursement (DMR) plan allows you to see any vision care provider in the U.S. who accepts Medicare. You will pay for your care up front and then submit some information and an itemized receipt to Aetna for reimbursement.
How Much Does an Aetna Medicare Advantage Plan With Vision Coverage Cost?
As with most Medicare Advantage plans, the cost of a Medicare Advantage plan from Aetna may vary according to location, benefits offered and other criteria.
You can use the Medicare Plan Finder tool to see how much an Aetna Medicare Advantage plan with vision benefits might cost in your area.
The table below provides some examples of what you might pay for an Aetna Medicare Advantage plan with vision coverage in Miami-Dade County in Florida and Maricopa County in Arizona. Please note that limits may apply for the plans and costs listed.
The following example premiums are taken from the Medicare.gov plan finder tool in October 2024 for plan year 2025 and are not a complete list of plans available in each ZIP code. Plan premiums vary and may be different where you live, and there may be more, fewer or different plans available where you live. Contact a licensed insurance agent or compare plans online to find your local options.
| County | Plan | Monthly Premium | Deductible | In-network copay for eye exams, contacts or eyeglasses |
|---|---|---|---|---|
| Miami-Dade, FL (33128) |
Aetna Medicare FL Select (HMO) |
$0 |
$0 |
$0, subject to limits |
| Maricopa, AZ (85139) |
Aetna Medicare Eagle (PPO) |
$0 |
$0 |
$0, subject to limits |
| Maricopa, AZ (85139) |
Aetna Medicare Freedom (PPO) |
$0 |
$500 |
$0, subject to limits |
How Do I Know if I’m Eligible for an Aetna Medicare Advantage Plan With Vision Coverage?
In order to join an Aetna Medicare Advantage plan with vision coverage, you must first enroll in Medicare Part A and Part B.
You also must live in an area where an Aetna Medicare Advantage plan with vision coverage is available.
What About Standalone Vision Plans From Aetna?
If you don't qualify for a Medicare Advantage plan, you may still receive vision coverage through Aetna from a standalone vision plan.
The network of participating providers includes eye doctors all over the U.S. along with retailers such as Lens Crafters, Target, Ray Ban, Glasses.com and ContactsDirect.com.
Helpadvisor.com is owned and operated by Tranzact, the parent company of TZ Insurance Solutions LLC, which is the owner/operator of Medicareadvantage.com and other websites mentioned on HelpAdvisor and which has a financial relationship with some of the carriers listed on HelpAdvisor.
