Key takeaways
- Many Aetna Medicare Advantage plans include vision coverage, offering benefits beyond Original Medicare.
- The specific vision coverage and costs vary depending on the plan, ZIP code, and whether you use in-network or out-of-network providers, so compare options.
- If you’re eligible for Medicare, you can switch to an Aetna Medicare Advantage plan that includes vision coverage after signing up for Original Medicare.
If you wear prescription eyewear, you know the importance of annual vision screenings.
Having a health insurance plan that covers the cost of vision and eye services makes it easy to get the care you need. It means you can schedule routine eye exams and get affordable prescription lenses.
Any Medicare Advantage plan, including Aetna’s Medicare Advantage plans, must offer the same coverage as Original Medicare (parts A and B). This includes both hospital insurance and medical insurance.
Aetna vision coverage offers comprehensive eye services, such as:
- routine eye exams, usually one exam per year
- diabetic retinopathy screenings
- yearly allowance to cover the cost of frames
- annual compensation for prescription or contact lenses
- cataract surgery
Whether or not the Aetna Medicare Advantage plans available in your area offer vision coverage depends on the plan.
That said, Aetna Medicare Advantage plans are available in most U.S. states. You can find the right plan to suit your healthcare needs, including:
- Health Maintenance Organization (HMO) plans
- Point-of-Service (POS) plans
- Preferred Provider Organization (PPO) plans
- Dual Eligible Special Needs Plans (D-SNPs)
Plans can change depending on your state or county. Each program has a distinct yearly allowance, copays, and benefits.
Your costs will depend on your ZIP code and the plan you choose, whether it covers visits to out-of-network professionals and whether there are in-network vision specialists.
You can compare premium rates and additional benefits using Medicare’s plan finder tool. Enter your ZIP code to compare the plans offered in your area.
Here are some anticipated costs for 2026 for Aetna Medicare Advantage plans with vision coverage:
| City | Plan name | Monthly premium | Out-of-pocket maximum |
|---|---|---|---|
| Columbus, Ohio | Aetna Medicare Eagle Giveback (PPO) | $0 | $9,550 in and out-of-network $6,900 in-network |
| Aetna Medicare Signature Care (HMO-POS) | $0 | $5,500 In-network | |
| Aetna Medicare Signature (PPO) | $0 | $8,950 In and Out-of-network $5,500 In-network | |
| Houston, Texas | Aetna Medicare Prime Care (HMO) | $0 | $4,200 in-network |
| Aetna Medicare Value Plus (PPO) | $4.80 medical $57.60 drugs | $8,950 in and out-of-network $6,750 in-network | |
| Aetna Medicare Enhanced (PPO) | $45 | $13,900 in and out-of-network $9,250 in-network | |
| Phoenix, Arizona | Aetna Medicare Signature Extra (HMO) | $0 | $6,750 in-network |
| Aetna Medicare Value Care (PPO) | $15.90 medical $190.80 drugs | $8,900 in and out-of-network $5,900 in-network | |
| Aetna Medicare Eagle (PPO) | $0 | $8,950 in and out-of-network $5,500 in-network |
Anyone eligible for Original Medicare is also eligible for Medicare Advantage. You’re eligible for Aetna Medicare Advantage vision coverage if you’re a U.S. citizen or permanent resident over age 65.
If you’re under age 65 years, you can apply for Medicare coverage if you have a permanent disability or a chronic illness such as amyotrophic lateral sclerosis (ALS) or end stage renal disease (ESRD).
To enroll in a plan with Aetna Medicare Advantage vision coverage, you must first sign up for Original Medicare.
Contact Social Security and enroll in Original Medicare online, over the phone, or by visiting your local office. After you have your Medicare number, you’re eligible for an Aetna Medicare Advantage plan.
Use Medicare’s plan comparison tool to find a list of Aetna vision plans available in your county, along with benefits, vision services, copays, and premiums. You can also contact Aetna at 855-335-1407.
Aetna Medicare Advantage plans typically include yearly eye exams and coverage for frames, lenses, and contacts, with an annual eyewear allowance. Coverage details vary by plan, so beneficiaries should review their Evidence of Coverage or compare plan options before enrolling.
Since Original Medicare covers cataract surgery, Aetna Medicare Advantage plans must also cover this. Make sure to go to doctors and facilities that are in your plan’s network to ensure coverage.
Vision coverage is a part of many Medicare Advantage plans. Aetna offers Medicare Advantage plans that include vision coverage.
If you’re eligible for Medicare Advantage, you can purchase an Aetna Medicare Advantage plan with vision coverage.