While each health insurance policy differs in terms of covered procedures, some providers, such as Aetna, do cover cataract surgery. The company considers the procedure medically necessary and covers not only the surgery itself, but also tests related to the condition.
Certain tests, however, are generally not covered as they may be considered unnecessary or unreliable. These may include contrast sensitivity testing, external photography and corneal pachymetry. In order to determine if a particular health insurance policy covers specific procedures, policy holders can read the policy itself, or contact the insurance company for details. Contact information is often available online or contained within the policy paperwork.