Medicare Part A and Medicare Part B both cover medically necessary cancer treatment.
Medicare Advantage plans (Medicare Part C) also cover cancer treatment, and many Medicare Advantage plans offer prescription drug coverage.
Medicare Advantage plans come with an annual out-of-pocket spending limit, which means that you could pay less for potentially expensive out-of-pocket cancer treatment costs if you have a Medicare Advantage plan. Original Medicare (Part A and Part B) doesn't include a spending limit.
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What you pay for your cancer treatment largely depends on the type of Medicare coverage you have, where you receive your care and how long you receive it.
If you’re receiving inpatient care to treat your cancer, Medicare Part A will cover your treatment. You’re an inpatient if you’ve been admitted to the hospital or a skilled nursing facility.
Medicare Part A cancer treatment services may include, but may not be limited to:
If you’re receiving outpatient care to treat your cancer, Medicare Part B will cover aspects of your treatment. Part B also covers certain cancer screenings (depending on a person’s risk level for the cancer being screened) and outpatient services in a hospital.
Part B cancer treatment services may include, but aren’t limited to:
Medicare Part A and Part B have different out-of-pocket costs (deductibles, copayments and coinsurance) that you may be responsible for. Make sure you understand if you are considered an inpatient or an outpatient before receiving a particular treatment.
If you have a Medicare Advantage plan, you may have different out-of-pocket costs, depending on the plan you select.
As mentioned above, Medicare Advantage plans provide all of the same benefits that are offered by Original Medicare. This means that Medicare Advantage plans cover cancer treatments, too.
Medicare Advantage plans also have an annual out-of-pocket limit that will cap your out-of-pocket spending. Original Medicare doesn’t have an out-of-pocket limit.
Medicare Part B may provide limited coverage for cancer medications (such as certain chemotherapy drugs), but it won’t cover many others.
You can receive prescription drug coverage through Medicare Part D — either through a standalone prescription drug plan to use with Original Medicare, or through a Medicare Advantage plan that offers Part D coverage.
Your Medicare Part D coverage may help cover other medications needed for your treatment that Part B doesn’t. This can include certain oral chemotherapy drugs, pain medication, anti-nausea medication, among others.
If want to learn more about a Medicare Advantage plan — or are ready to enroll — you can speak to a licensed insurance agent to compare Medicare Advantage plans that are available where you live.
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Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareAdvantage.com. He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.
His work has been featured in outlets such as Vox, MSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.
Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.
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