Your Medicare Coverage

Is my test, item, or service covered?

Surgery (estimating costs)

Who's eligible?

Medicare covers many medically necessary surgical procedures.

Your costs in Original Medicare

For surgeries or procedures, it's difficult to know the exact costs in advance because no one knows exactly what services you'll need. If you're having surgery or a procedure, you can do some things in advance to figure out approximately how much you'll have to pay.

  1. Ask the doctor, hospital, or facility how much you'll have to pay for the surgery and any care afterward.
  2. Make sure you know if you're an inpatient or outpatient because what you pay may be different.
  3. Check with any other insurance you may have (like a Medicare Supplement (Medigap) policy, Medicaid, or coverage from your or your spouse's employer) to see what it will pay. If you belong to a Medicare health plan, contact your plan for more information.
  4. Login to MyMedicare.gov, or look at your last "Medicare Summary Notice" (MSN) to see if you've met your deductibles.
    • Check your Part A deductible if you expect to be admitted to the hospital.
    • Check your Part B deductible for a doctor's visit and other outpatient care.
    • You'll need to pay the deductible amounts before Medicare will start to pay. After Medicare starts to pay, you may have copayments for the care you get.

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