Chi Phí Phẫu thuật đục thủy tinh thể Là Bao Nhiêu?
Cataract surgery is a procedure to remove the clouded natural lens of the eye and replace it with an artificial intraocular lens. It is one of the most common and safest surgical procedures performed worldwide.
Không Bảo Hiểm
$3,500
Có Bảo Hiểm
$1,050
Medicare
$800
Trung Bình Quốc Gia
$2,500
By Elena Bellini, MPH, Health Policy & Management · Last reviewed 2026-04-21 ·
Sources: CMS Medicare Provider Utilization and Payment Data 2025 · Methodology · Editorial standards Tổng quan
Cataract surgery removes the clouded natural lens and replaces it with an artificial intraocular lens (IOL). It is one of the highest-volume procedures in American medicine, performed overwhelmingly in ambulatory surgery centers under topical or local anesthesia with light sedation. The operation itself takes roughly 15 to 30 minutes per eye. Most surgeons treat one eye at a time, spaced a week or more apart. The IOL is the single biggest line item you can control: a standard monofocal lens is covered by Medicare and commercial plans, while premium options — toric lenses for astigmatism, multifocal, extended-depth-of-focus (EDOF), and light-adjustable lenses — are considered refractive upgrades and require the patient to pay the upgrade fee out of pocket. Femtosecond laser-assisted cataract surgery is likewise usually billed as a non-covered upgrade. Costs split across the surgeon, the facility, the anesthesia provider, and any premium lens or laser charges.
Yếu tố ảnh hưởng đến chi phí
- IOL choice: standard monofocal lenses are insurance-covered, but toric, multifocal, EDOF, or light-adjustable lenses carry out-of-pocket upgrade fees often running into four figures per eye.
- Laser-assisted technique: femtosecond laser adds a non-covered technology fee at many centers on top of the base surgical fee.
- Site of service: ambulatory surgery centers are the norm and much cheaper than hospital outpatient departments for the same procedure.
- Anesthesia: topical anesthesia with minimal sedation is the least expensive; MAC anesthesia with a dedicated anesthesiologist adds cost.
- Astigmatism correction: limbal relaxing incisions or toric IOLs to correct astigmatism are billed as refractive upgrades.
- Surgeon fee differences: high-volume cataract surgeons sometimes package the professional fee into bundled quotes; others bill separately.
Cách Tiết Kiệm
- Accept the standard monofocal IOL if glasses for reading or distance after surgery are acceptable — this alone can save thousands per eye.
- Schedule surgery at an ambulatory surgery center rather than a hospital outpatient department.
- Ask the surgeon's office for a written quote that itemizes the surgeon fee, ASC fee, anesthesia, and any premium-lens or laser upgrade before you schedule.
- Use an HSA or FSA to pay the non-covered premium-lens upgrade portion with pre-tax dollars.
- Verify that the surgeon, the ASC, and the anesthesia provider are all in-network with your plan to avoid surprise billing.
- If you have an early-stage cataract and are paying out of pocket, ask whether updated glasses could reasonably defer surgery another year or two.
Ghi chú về bảo hiểm và phạm vi bảo hiểm
Medicare Part B and essentially all commercial plans cover medically necessary cataract surgery when visual impairment is documented. Medicare pays for the surgeon, the ASC or hospital facility fee, anesthesia, and a standard monofocal intraocular lens, and it also provides a one-time pair of post-operative eyeglasses or contact lenses. Upgrades to toric, multifocal, EDOF, or light-adjustable lenses, and femtosecond laser fees, are considered refractive (non-covered) and must be paid out of pocket. Commercial plans follow a similar pattern. Prior authorization is usually not required by traditional Medicare but is increasingly required by Medicare Advantage and some commercial plans. Expect to owe 20% coinsurance under Medicare Part B after the deductible.
Data sources for this page
Cost figures on this page are compiled from the following sources, triangulated per the rules in our methodology:
- CMS Medicare Provider Utilization and Payment Data 2025 — primary CMS reference used as the Medicare-rate anchor.
- Hospital Price Transparency machine-readable files (HPT MRFs) from a sample of major hospitals in each state, per the federal Hospital Price Transparency rule.
- Transparency in Coverage payer in-network rate files for commercial-rate cross-validation.
- State All-Payer Claims Database (APCD) summaries where published (Colorado, New Hampshire, Massachusetts, Minnesota, Maine, Utah, Vermont, Rhode Island, Washington, Oregon).
Last reviewed 2026-04-21. See editorial standards for our fact-checking process and correction policy.
Range: $2,560 to $4,830 · 50 states shown
Chi Phí Theo Tiểu Bang
| Tiểu Bang | Không Bảo Hiểm | Có Bảo Hiểm | Medicare |
|---|---|---|---|
| Mississippi | $2,560 | $768 | $587 |
| Arkansas | $2,620 | $786 | $601 |
| West Virginia | $2,620 | $786 | $601 |
| Oklahoma | $2,670 | $801 | $613 |
| Alabama | $2,710 | $813 | $620 |
| Kentucky | $2,950 | $885 | $677 |
| Louisiana | $3,010 | $903 | $691 |
| Iowa | $3,060 | $918 | $702 |
| New Mexico | $3,060 | $918 | $702 |
| South Carolina | $3,060 | $918 | $702 |
| South Dakota | $3,060 | $918 | $702 |
| Kansas | $3,110 | $933 | $714 |
| North Dakota | $3,110 | $933 | $714 |
| Idaho | $3,150 | $945 | $723 |
| Nebraska | $3,150 | $945 | $723 |
| Tennessee | $3,150 | $945 | $723 |
| Indiana | $3,250 | $975 | $746 |
| Missouri | $3,250 | $975 | $746 |
| Utah | $3,250 | $975 | $746 |
| Wyoming | $3,250 | $975 | $746 |
| Georgia | $3,290 | $987 | $755 |
| North Carolina | $3,290 | $987 | $755 |
| Michigan | $3,330 | $999 | $764 |
| Montana | $3,330 | $999 | $764 |
| Arizona | $3,420 | $1,026 | $784 |
| Ohio | $3,440 | $1,032 | $790 |
| Wisconsin | $3,440 | $1,032 | $790 |
| Maine | $3,460 | $1,038 | $794 |
| Texas | $3,500 | $1,050 | $803 |
| Florida | $3,570 | $1,071 | $819 |
| Minnesota | $3,570 | $1,071 | $819 |
| Illinois | $3,600 | $1,080 | $826 |
| Pennsylvania | $3,600 | $1,080 | $826 |
| Delaware | $3,650 | $1,095 | $837 |
| Nevada | $3,650 | $1,095 | $837 |
| Vermont | $3,650 | $1,095 | $837 |
| Virginia | $3,650 | $1,095 | $837 |
| Colorado | $3,710 | $1,113 | $851 |
| New Hampshire | $3,710 | $1,113 | $851 |
| Oregon | $3,750 | $1,125 | $860 |
| Maryland | $3,850 | $1,155 | $883 |
| Rhode Island | $3,900 | $1,170 | $895 |
| Washington | $3,900 | $1,170 | $895 |
| Connecticut | $4,200 | $1,260 | $963 |
| New Jersey | $4,200 | $1,260 | $963 |
| California | $4,620 | $1,386 | $1,060 |
| Massachusetts | $4,650 | $1,395 | $1,067 |
| Alaska | $4,730 | $1,419 | $1,083 |
| New York | $4,760 | $1,428 | $1,092 |
| Hawaii | $4,830 | $1,449 | $1,108 |
Câu Hỏi Thường Gặp
Chi phí phẫu thuật đục thủy tinh thể không bảo hiểm là bao nhiêu?
Chi phí trung bình của phẫu thuật đục thủy tinh thể không bảo hiểm tại Hoa Kỳ là $3,500. Chi phí khác nhau đáng kể theo tiểu bang.
Bảo hiểm có chi trả phẫu thuật đục thủy tinh thể không?
Hầu hết các gói bảo hiểm y tế chi trả phẫu thuật đục thủy tinh thể khi cần thiết về mặt y tế. Với bảo hiểm, chi phí tự trả trung bình là $1,050.
Medicare có chi trả phẫu thuật đục thủy tinh thể không?
Medicare Part B thường chi trả phẫu thuật đục thủy tinh thể khi có chỉ định của bác sĩ. Số tiền Medicare phê duyệt trung bình là $800.
Được xem xét bởi Elena Bellini · Xem xét lần cuối: 2026-04-21
Dữ liệu từ CMS Medicare Provider Utilization and Payment Data 2025. Cập nhật lần cuối: 2026-03-01. Thông tin này chỉ mang tính giáo dục và không phải lời khuyên y tế. Trang web này chỉ mang tính chất thông tin và không cấu thành lời khuyên y tế. Luôn tham khảo ý kiến chuyên gia y tế có trình độ.