Cataracts are one of the most common vision problems associated with aging. Fortunately, cataract surgery is safe, highly effective, and widely performed. However, our patients’ biggest question before moving forward is: How much will cataract surgery cost?
The answer depends on a few key factors, including the type of surgery you have, your chosen lens, and your insurance coverage. Here’s a helpful guide to understanding the cost of cataract surgery in 2025.
Does Insurance Cover Cataract Surgery?
Yes—in most cases, cataract surgery is covered by insurance, including Medicare and many private health plans. Basic cataract surgery with a standard monofocal lens is considered medically necessary and is typically covered, aside from deductibles, copays, or coinsurance.
But some choices you make during surgery, like upgrading your lens or choosing laser-assisted surgery, will increase your out-of-pocket costs. Many patients choose these upgrades because they want higher-quality vision outcomes and solutions that better fit their lifestyle needs, such as reducing their dependence on glasses or correcting astigmatism. These options are not usually medically necessary but can significantly improve daily visual comfort and convenience.
Main Factors of Lens Options That Affect Cataract Surgery Costs
1. Type of Intraocular Lens (IOL)
You must choose a lens to replace your natural, clouded one. Your choice plays a major role in the total cost.
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Monofocal Lenses (Standard Option):
Focuses vision at a single distance (near or far). Often covered by insurance.
Cost to you: Minimal or fully covered, depending on your plan. -
Multifocal or Premium Lenses:
Correct vision at multiple distances, reducing the need for glasses. Not typically covered.
Cost to you: $1,000–$3,000+ per eye, depending on the lens type and provider. -
Toric Lenses (for Astigmatism):
Correct astigmatism and are considered premium lenses.
Cost to you: May be partially covered, but usually includes an out-of-pocket cost.
Advanced Intraocular Lens (IOL) Options for Cataracts
2. Type of Surgery: Traditional vs. Laser-Assisted
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Traditional Cataract Surgery
Performed manually by a skilled surgeon. Often fully covered by insurance.
Cost to you: Minimal if covered. -
Laser-Assisted Cataract Surgery
Uses advanced femtosecond laser technology for more precise results. May reduce surgical risk and improve outcomes with premium lenses.
Cost to you: Typically $1,000–$2,500 more per eye than traditional surgery, depending on the provider and region.
3. Astigmatism Correction
If you have astigmatism, it can often be corrected during cataract surgery with special lenses or additional procedures. Since glasses can also correct astigmatism, this is often considered elective and may not be covered by insurance.
Cost to you: Varies, but can add $500–$1,500+ per eye
4. Pre and Post-Operative Care
Your total cataract surgery cost may include:
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Pre-operative exams
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Diagnostic testing
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Prescription eye drops
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Post-op follow-up visits
Some providers bundle these services into one total price, while others bill them separately.
Cost to you: Check with your provider—these services may be covered or come with additional fees.
M&M Out-of-Pocket Costs for Cataract Surgery
Here’s our pricing sheet at M&M for what you might expect to pay out of pocket per eye in 2025
Prices vary by provider, region, and insurance coverage. Always ask for a personalized cost breakdown before surgery.
How to Prepare Financially
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Talk to your insurance provider to understand what’s covered and what your deductible and copays are.
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Speak to an M&M Eye Institute refractive counselor for a detailed estimate, including lens choices, surgical method, and all related services.
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Inquire about financing options if you choose premium upgrades not covered by insurance.
Schedule a Cataract Consultation & Explore Costs
Cataract surgery can be life-changing—but it’s important to understand your financial responsibilities ahead of time. At M&M Eye Institute, we’ll walk you through your options, answer your cost questions clearly, and help you make the choice that fits your needs, vision goals, and budget.
If you’re ready to take the next step, contact us today or schedule a consultation online.