Douglas Jack Carder

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ROCKWALL - Former Stanton resident Douglas Jack Carder died Mar. 15, 2019, in Rockwall.

He was born Dec. 29, 1948, to Jack H. and Iva M. Carder in Basin, WY. While at Forsan, where he graduated high school, he met Scherry Avery of Stanton. In 1968, he joined the US Army and served in Vietnam. After his discharge, he and Scherry married Mar. 15, 1968. While in the military, son Christian J. Carder on Oct. 6, 1971, in Lowell, MA. After residing in Lowell, the couple moved back to Stanton, where he went to work in the oil field and attended Midland College, earning a degree in petroleum engineering. On Sep. 10, 1975, daughter Misti Scharece Carder was born.

Scherry lost a two-year battle with cancer in 1988. By the end of 1988, he reunited with his elementary school sweetheart Sherry Wilson Stephens.

He worked for a couple of different wrecker services and in 2008 he was hired by the City of Dallas to work in the Water Treatment Plant in Sunnyvale.

In 2009, Sherry died.

He spent the last ten years of his life doing what he loved - laughing, joking, and finding the peace and joy of having his three children and their spouses, Karla, Alan and Tommy, his five grandchildren, a host of friends and his Starbucks Coffee gang surrounding him with love.

A celebration of Doug’s life was Mar. 19 at Rest Haven Funeral Home-Rockwall.

Dear Savvy Senior,

I will be enrolling in Medicare in a few months, and would like to know how Medicare covers vision services? I currently have vision insurance through my employer but will lose it when I retire.

Looking Ahead

Dear Looking,

Many people approaching 65 are unclear on what Medicare does and doesn’t cover when it comes to vision services. The good news is that original Medicare covers most medical issues like cataract surgery, treatment of eye diseases and medical emergencies. But unfortunately, routine care like eye exams and eyeglasses are the beneficiary’s responsibility. Here’s a breakdown of what is and isn’t covered.

Eye exams and treatments: Medicare does not cover routine eye exams that test for eyeglasses or contact lenses. But they do cover yearly medical eye exams if you have diabetes or are at high risk for glaucoma. They will also pay for exams to test and treat medical eye diseases if you’re having vision problems that indicate a serious eye problem like macular degeneration, dry eye syndrome, glaucoma, eye infections or if you get something in your eye.

Eye surgeries: Medicare will cover most eye surgeries that help repair the eye function, including cataract surgery to remove cataracts and insert standard intraocular lenses to replace your own. Medicare will not, however, pick up the extra cost if you choose a specialized lens that restores full range of vision, thereby reducing your need for glasses after cataract surgery. The extra cost for a specialized lens can run up to $2,500 per eye.

Eye surgeries that are usually not covered by Medicare include refractive (LASIK) surgery and cosmetic eye surgery that are not considered medically necessary.

Eyeglasses and contact lenses: Medicare does not pay for eyeglasses or contact lenses, with one exception: If you have had a conventional intraocular lens inserted during cataract surgery, Medicare will pay for eyeglasses or contact lenses following the operation.

Ways to Save

Although original Medicare’s vision coverage is limited to medical issues, there are ways you can save on routine care. Here are several to check into.

Consider a Medicare Advantage plan: One way you can get extra vision coverage when you join Medicare is to choose a Medicare Advantage plan instead of original Medicare. Many of these plans, which are sold through private insurance companies, will cover routine eye care and eyeglasses along with all of your hospital and medical insurance, and prescription drugs. See Medicare.gov/find-a-plan to shop for plans.

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