Home > Coverage > Does Medicare Cover Surgery?
Coverage

Does Medicare Cover Surgery?

Christian Worstell by Christian Worstell    |    Published Nov 06, 2019    |    Reviewed by John Krahnert

Medicare does cover the costs of many types of surgery, as long as they are considered medically necessary.

Since the overall costs vary from case to case, it’s important to understand what you might be expected to pay in out-of-pocket expenses, such as deductibles, copayments and coinsurance.

Medicare Supplement Insurance (Medigap) can help cover surgery costs that Medicare doesn’t cover, including deductibles, copays and more.

Doctors and surgeons review information before surgery
Medigap plans can help cover surgery costs such as Medicare copays and deductibles, which can add up quickly.

What Surgery Costs Does Medicare Pay For?

Original Medicare (Medicare Part A and Part B) can cover different costs associated with inpatient and outpatient surgeries.

Medicare does not cover cosmetic surgery of any kind, unless it is deemed necessary by a doctor. For any surgery that Medicare does cover, Medicare beneficiaries must first meet their Part A and/or Part B deductible before Medicare benefits kick in.

  • Medicare Part A
    Medicare Part A offers hospital insurance benefits, which include inpatient hospital stays associated with surgery. The deductible for Medicare Part A in 2019 is $1,364 for each benefit period.

    If your surgery involves a hospital visit longer than 60 days, then you will be responsible for a $341 coinsurance payment per day after day 60 in 2019.

    The Medicare Part A coinsurance rises to $682 per day for inpatient hospital stays of 91 days or more until your lifetime reserve day limit is reached.

  • Medicare Part B
    Medicare Part B covers doctor’s services (like surgeries), preventative care, medical equipment, hospital outpatient services and more.

    For 2019, the standard Part B premium is $135.50 per month, with a deductible of $185 per year. This deductible must be met before Part B coverage kicks in.

    After you meet your Part B deductible, Medicare will typically pay for 80% of the approved amount for medical services. This means that you will likely be responsible for 20% of the costs associated with your surgery.

Medigap Can Help Pay for Out-of-Pocket Surgery Costs

Medigap, or Medicare Supplement Insurance, works with Original Medicare to cover some of the deductibles, copayments, and coinsurance associated with Original Medicare.

A Medigap plan could help you cover some of the costs associated with your surgery, which can add up quickly.

The following four basic benefits are covered by every Medigap plan:

  • Part A hospital care coinsurance

  • Part A hospice care coinsurance or copayment

  • Part B coinsurance or copayment

  • First 3 pints of blood needed for transfusion

There are five additional benefits that some plans may cover partially or completely.

A licensed agent can help you decide on a Medigap plan option that works for you. Call today to speak with a licensed agent and compare the Medigap plans that are available where you live.

 

Find Medigap plans that help cover surgery.

Compare Plans

Or call --ms-tfn-- to speak with a licensed insurance agent.


 

Christian Worstell is a health care and policy writer for MedicareSupplement.com. He has written hundreds of articles helping people better understand their Medicare coverage options.

Resource Center

What Does Original Medicare Cover?

Need to know if your medical test or service is covered by Original Medicare? Check out this comprehensive list to find out what Medicare does and does not cover.

Read More

What Medicare Does And Does Not Cover

Original Medicare covers a lot, but it doesn't cover everything. Learn more about what Medicare does and does not cover.

Read More

Do I Need a Medicare Supplement Plan?

Millions of Medicare beneficiaries are enrolled in Medicare Supplement Insurance (Medigap). Learn the costs that a Medigap plan can help cover, and compare Medigap plans available where you live.

Read More

Medicare Preventive Benefits

As a Medicare beneficiary, you may be eligible for a range of preventive health services. Medicare Part B (Medical Insurance) provides coverage for the following.

Read More

Does Medicare Cover Mental Health?

Medicare covers qualified outpatient and inpatient mental health care services. Medicare Supplement (Medigap) plans can help cover your out-of-pocket mental health costs.

Read More

Does Medicare Cover Surgery?

Medicare does cover the costs of many types of surgery, as long as they are considered medically necessary.

Read More

Does Medicare Cover SilverSneakers?

Does Medicare cover SilverSneakers? Learn more about Medicare's coverage of this popular fitness program.

Read More

Does Medicare Cover Medicine?

Medicare offers some coverage for medication and prescription drugs. Find out if the medicine you need may be covered.

Read More

Does Medicare Cover Vision?

Do you have Medicare? And are you experiencing vision problems? Here's how you might be covered.

Read More

Every 13 minutes, we help someone enroll in a plan.

Sign up for more information!

Enter your email address and get a free guide to Medicare and Medicare Supplement Insurance.

Sign Up Now