For these Part B services, Medicare typically covers 80% of the approved amount and the senior is responsible for the remaining 20% (either out-of-pocket or via a Medigap supplemental plan), after the annual Part B deductible.

Medicare Advantage (Part C): Many seniors in Florida and elsewhere opt for Medicare Advantage plans. These are private insurance plans that replace Original Medicare and often include extra benefits. Most Medicare Advantage plans offer vision care benefits that Original Medicare lacks. This can include routine annual eye exams, coverage for eyeglasses or contact lenses, and even discounts on upgrades like progressive lenses. Coverage details vary by plan, so seniors and caregivers should check plan specifics. For instance, a plan might provide one eye exam and a $200 eyewear allowance each year. If vision care is important, it’s worth comparing Medicare Advantage plans during open enrollment to find one that includes robust eye care benefits.

• Medicaid (Florida): Medicaid is a joint federal-state program that can help low-income seniors (often those who are “dual eligible” for Medicare and Medicaid) with healthcare costs. In Florida, Medicaid does provide some vision coverage for adults, although it is limited. Typically, Florida Medicaid covers one routine eye exam per year and glasses as needed (usually one pair of frames every two years, with new lenses yearly if your prescription changes). Coverage can depend on the specific Medicaid managed care plan. For example, some plans offer an eye exam and new glasses annually. While Medicaid’s vision benefits for adults are not extensive, they do ensure basic eye care is accessible. Seniors who qualify for Medicaid should contact their plan or Florida Medicaid offices to understand their vision benefits. Caregivers can assist by locating providers who accept Medicaid (not all optometrists or ophthalmologists do, due to low reimbursement rates).
• Florida State Resources: Florida has a large senior population, so there are agencies and programs to support elder eye health:
  • The Florida Division of Blind Services offers resources and rehabilitation training for residents with severe vision loss or blindness. If a senior has significant vision impairment (even with glasses), this state agency can provide assistive devices, mobility training, and other support to help them remain independent.
  • Area Agencies on Aging in Florida can connect seniors and caregivers with local programs, which sometimes include free vision screenings or assistance programs. For example, non-profits or health departments may host vision clinics for seniors.

Driver’s License Vision Requirement: As mentioned earlier, Florida mandates vision testing for drivers 80+. Seniors can get this test done by their eye doctor (who must fill out a form) or at a driver license office. Keeping up with routine exams makes this requirement easier to meet, ensuring the senior remains legally cleared to drive