Before you get non-emergency surgery you may want to get a second opinion, but does Medicare cover that? That’s the big question. Going under the knife can be scary, and we all want to make sure we’re diagnosed properly before we do it. Find out if you have to pay to talk to another “Doc.”
Does Medicare cover Second Opinions?
Medicare Part B (and only Part B) will cover second opinions before non-emergency surgery. You will still have to pay for your deductible ($198), copays, and coinsurance.
Just for the record Medicare will pay for a third opinion if it turns out that your first and second opinions are different. Also these opinions should be covered even if the surgery or other procedure is determined not to be covered.
Does Medigap Cover Second Opinions?
All Medigap plans pay part or all of your Medicare approved second opinion, but only Medigap C and F will cover your Part B deductible.
Does Medicare Advantage Cover Second Opinions?
While Medicare Advantage must cover everything that Medicare covers, it can vary in how it covers it. Plus, since most Medicare Advantage plans are HMOs, you may have to be approved by your primary care physician before seeking a second opinion from a specialist.
For further questions call a Senior65 agent at 800-930-7956.