Medicare Part A typically does not cover outpatient surgery.
Medicare Part B typically covers outpatient services, however, including doctor’s visits and outpatient surgery that is medically necessary.
Medicare Advantage (Part C) plans may also cover outpatient surgery, and they also include an annual out-of-pocket spending limit. This can potentially save you money in out-of-pocket Medicare costs for your surgery.
Original Medicare does not include an out-of-pocket spending limit.
Medicare Part A is hospital insurance, and it helps cover the costs of your inpatient stays at certain facilities, such as:
If you receive surgery that requires an inpatient hospital stay, Medicare Part A will help cover your hospital costs after you meet your Part A deductible ($1,364 per benefit period in 2019).
If you receive a medically necessary surgery as an outpatient, Medicare Part B is responsible for covering some of the costs of your doctor’s services.
If Medicare Part B covers your outpatient surgery, you may still be responsible for certain out of pocket costs.
The Medicare Part B deductible is $185 per year in 2019. You must meet this deductible before Medicare Part B coverage kicks in and covers your surgery costs for the rest of the year.
After your Part B deductible is met through expenses you accrue as an outpatient, you usually are responsible for 20 percent of the Medicare-approved amount for most doctor’s services.
There is no annual limit on how much you could pay for the Part B coinsurance in a given year. This means that your Part B outpatient surgery coinsurance costs could add up quickly.
Medicare Advantage plans are sold by private insurance companies as an alternative to Original Medicare (Medicare Part A and Part B).
Every Medicare Advantage plan must cover everything that Part A and Part B covers. This means that if your outpatient surgery is covered by Medicare Part B, it will also be covered by a Medicare Advantage plan.
The annual out-of-pocket spending limit that is included with all Medicare Advantage plans could potentially help you save money on your out-of-pocket costs related to outpatient surgery.
Some Medicare Advantage plans may also offer additional benefits, which may include home-delivered meals while you are recovering from surgery.
Call to speak with a licensed insurance agent today to learn more about Medicare Advantage plans in your area that may help cover your outpatient surgery and find out if you’re eligible to enroll.
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