Does Medicare Cover Funeral Expenses?

Original Medicare does not cover funeral expenses. In some cases, your qualified beneficiaries may be able to use Social Security survivor’s benefits or the payout from a Medicare Medical Savings Account (MSA) to pay for things like funeral costs.

No, Original Medicare (Part A and Part B) does not cover funeral expenses.

If you have a Medicare Medical Savings Account (MSA), your surviving spouse could potentially use any leftover funds from your MSA to help pay for costs they face after you’re gone, which could include your funeral expenses.

Does Medicare pay for funeral expenses?

Medicare Advantage plans do not cover funeral costs.

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One type of Medicare Advantage plan is called a Medicare Medical Savings Account (MSA). This type of high-deductible Medicare Advantage plan includes a savings account that you can use to pay for qualified healthcare costs.

Each year, Medicare deposits a specific amount of money into your Medical Savings Account. You can use money from your MSA to pay for Medicare-covered services.

If you use money from your MSA to pay for things that aren’t covered by Medicare (such as food or utilities) you will have to pay taxes on the money you take out of your MSA. These costs will not count towards your MSA deductible.

If you pass away, any remaining funds that were deposited in your MSA before the current calendar year become part of your estate. Part of the most recent deposited funds will be repaid back to Medicare.

Money from your estate could theoretically be used to help pay for your funeral expenses. Your beneficiary, however, could potentially have to pay for your funeral costs before receiving any money from your estate.

Am I eligible for a Medical Savings Account (MSA)?

The eligibility criteria for a Medicare Medical Savings Account includes:

  • You’re eligible for Medicare
  • You do not have End-Stage Renal Disease (ESRD)
  • You do not have other health insurance

If you are currently enrolled in Original Medicare, you may have to wait until the Medicare Annual Election Period (AEP) to sign up for a Medicare Medical Savings account (if an MSA is available in your area).

The Medicare AEP lasts from October 15 to December 7 every year.

Learn more about Medicare MSA plans and the Medicare Advantage plans that are available near you by speaking with a licensed insurance agent.


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Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.


About the author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

Christian has written hundreds of articles for that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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