Why choose us?
Strong partnerships with healthcare providers
Quick access to our very own surgical suite
Current diagnostic instruments and technology
Locally owned practice dedicated to our community
Medicare and most insurance cover medically-necessary cataract surgery with a standard monofocal lens. Out-of-pocket costs come from premium lens upgrades - toric (astigmatism), multifocal, or the Light Adjustable Lens - which typically add a per-eye fee. HSA/FSA funds and CareCredit financing can cover the difference.
The cost of cataract surgery is really the sum of several parts: the surgeon's fee, the facility and anesthesia fees, the intraocular lens (IOL) that replaces your clouded natural lens, and the pre-operative measurements and post-operative follow-up visits. For a standard procedure with a monofocal lens, these are bundled together and processed through your medical insurance. The main variable that changes your out-of-pocket total is which lens you choose - a standard monofocal versus a premium upgrade. Everything else is generally covered when the surgery is medically necessary.
Yes. Cataract surgery is one of the most common procedures Medicare covers. When a cataract has progressed enough to interfere with daily activities like driving or reading, Medicare Part B and most commercial insurance plans cover the surgery with a standard monofocal lens, leaving you responsible for your deductible and any copay or coinsurance. Medicare does not pay the extra cost of premium lens upgrades, but it still covers the underlying surgery even if you choose one - you simply pay the difference for the upgraded lens.
Premium IOLs are where out-of-pocket cost comes in. Each upgrade carries a per-eye fee that varies by lens and is not covered by insurance because it is considered elective. Here is how the common options compare:
| Lens option | What it does | Coverage |
|---|---|---|
| Monofocal (standard) | Clear vision at one distance; glasses usually needed for others | Covered by Medicare & most insurance |
| Toric | Corrects astigmatism for sharper distance vision | Out-of-pocket upgrade; HSA/FSA-eligible |
| Multifocal / extended-depth | Reduces need for glasses at multiple distances | Out-of-pocket upgrade; HSA/FSA-eligible |
| Light Adjustable Lens (RxSight) | Fine-tuned with light after surgery for a customized result | Out-of-pocket upgrade; HSA/FSA-eligible |
Because pricing depends on the specific lens and your benefits, we do not list a flat figure - our office quotes your exact upgrade cost after your evaluation. Learn more about the Light Adjustable Lens.
Premium lens upgrades are qualified expenses for Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA), so you can use pre-tax dollars toward the difference. For any remaining balance, we offer CareCredit financing, which lets you spread the cost over monthly payments. Our Bellaire office verifies your insurance benefits and reviews all of these options with you before scheduling, so there are no surprises.
At Surgical Eye Experts, board-certified surgeon Dr. Geoffrey Collett performs cataract surgery in our own in-office surgical suite, and because this is a single-surgeon practice, the same surgeon evaluates you, performs the surgery, and handles your follow-up. If you are weighing your options, our team walks you through lens choices and costs so you can make an informed decision. To schedule an evaluation for cataract surgery in Bellaire, call 281-800-1585.
Strong partnerships with healthcare providers
Quick access to our very own surgical suite
Current diagnostic instruments and technology
Locally owned practice dedicated to our community
©Red Barn Media Group 2026
