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Prescription drugs (outpatient)

Medicare Part B (Medical Insurance) covers a limited number of outpatient prescription drugs under certain conditions

  • Covered by Part B
  •  Costs vary depending on your situation

Description

Examples of Part B-covered drugs:

  • Monoclonal antibodies for treating early Alzheimer’s Disease
  • Drugs used with some types of durable medical equipment (DME) : If the drug used is medically necessary , Medicare covers certain drugs infused through Part-B covered DME (like an infusion pump).
  • Some antigen allergy tests and treatments: Medicare covers some antigen tests to check for and treat allergies if a doctor or other health care provider prepares them, and they're given by a properly instructed person (who could be you, the patient) under appropriate supervision.
  • HIV prevention drugs.
  • Injectable osteoporosis drugs.
  • Erythropoiesis-stimulating agents: Medicare covers erythropoietin by injection if you have  End-Stage Renal Disease (ESRD) or you need this drug to treat anemia related to certain other conditions.
  • Blood clotting factors: If you have hemophilia (a genetic bleeding disorder that keeps your blood from clotting properly), Medicare covers injectable clotting factors you give yourself or get in a doctor's office.
  • Injectable and infused drugs: Medicare covers most injectable and infused drugs when a licensed medical provider gives them.
  • Oral End-Stage Renal Disease (ESRD) drugs: Part B covers  ESRD drugs you take buy mouth.

Part B covers calcimimetic medications phosphate binders and other phosphate-lowering drugs for treating ESRD.

Your dialysis facility is responsible for giving you these medications either at the facility or through a pharmacy they work with. You’ll need to talk to your dialysis facility staff and your health care provider to find out:

  • Where you’ll get these medications
  • How much you’ll pay
  • Intravenous Immune Globulin (IVIG): Medicare covers IVIG you get at home if both of these conditions apply:
    • You've been diagnosed with primary immune deficiency disease.
    • Your health care provider decides that it's medically appropriate for you.

      Part B also pays for other items and services related to you getting  IVIG at home.
  • Vaccines: Medicare covers flupneumococcal and COVID-19 vaccines. Medicare also covers some other vaccines when they're directly related to treating an injury or illness.
  • Immunosuppressive drugs: : If Medicare helped pay for your organ transplant, Part B covers transplant drug therapy (including standard and  compounded immunosuppressive drugs) to prevent organ rejection.   You must have Part A at the time of the covered transplant, and you must have Part B at the time you get immunosuppressive drugs.

If you only have Medicare because of End-Stage Renal Disease (ESRD), your Medicare coverage (including immunosuppressive drug coverage) ends 36 months after a successful kidney transplant. Medicare offers a benefit to help you pay for your immunosuppressive drugs beyond 36 months if you don’t have certain types of other health coverage (like a group health plan, TRICARE, or Medicaid that covers immunosuppressive drugs). This benefit only covers your immunosuppressive drugs and no other items or services. It isn’t a substitute for full health coverage. If you qualify, you can sign up for this benefit any time after your Part A coverage ends. To sign up, call Social Security at 1-877-465-0355. TTY users can call 1-800-325-0788.

  • Oral cancer drugs: Medicare covers some cancer drugs you take by mouth if the same drug is available in an injectable form, or it's a prodrug of the injectable drug. A prodrug (an oral form of the injectable drug that breaks down into the same active ingredient after you take it.)
  • Oral anti-nausea drugs: Medicare covers anti-nausea drugs you take by mouth if you take them before, during, or within 48 hours of getting chemotherapy treatment for cancer, or you get them as full therapeutic replacement for an intravenous anti-nausea drug.

Coverage details

Usually, Part B covers drugs you wouldn't typically give to yourself, like those you get at a doctor's office or in a hospital outpatient setting.

Medicare drug coverage (Part D) covers many drugs that Part B doesn't cover. If you have Original Medicare, you can join a Medicare drug plan to get Medicare drug coverage. If you join a drug plan, check your plan's drug list (also called a formulary) to find out what outpatient drugs it covers.

Part D generally covers all adult vaccines that the Advisory Committee on Immunization Practices (ACIP) recommends, including vaccines for Respiratory Syncytial Virus (RSV), shingles, whooping cough, measles, and more. Your drug plan won’t charge you a copayment or deductible for vaccines that ACIP recommends. Talk to your provider about which ones are right for you.

Costs

  • Doctors, other health care providers, and pharmacies must accept assignment for Part B-covered drugs, so they should never ask you to pay more than the coinsurance or copayment for the Part B-covered drug itself.
  • In most cases, after you meet the Part B deductible , you pay up to 20% of the  Medicare-approved amount  for  Part B drugs.
    • Your coinsurance amount can sometimes change depending on your prescription drug's price.
    • You might pay a lower coinsurance for certain Part B covered drugs and biologicals you get in a doctor's office, pharmacy, or outpatient setting, if their prices have gone up faster than the rate of inflation. The specific drugs and potential savings change every quarter.
      • If the Part B-covered drugs you get in a hospital outpatient setting are part of your outpatient services, you pay a copayment for the services.
  • If you get a drug that isn’t covered in a hospital outpatient setting, you pay all costs for the drug, , unless you have other drug coverage. If you have other coverage (like Part D), what you pay depends on whether your drug plan covers the drug, and if the hospital is in your plan’s network. Contact your plan to find out what you pay.
  • You pay nothing (and the Part B deductible doesn't apply) for COVID-19, flu, pneumococcal, and hepatitis B vaccines if your provider accepts assignment.
  • For immunosuppressive drugs, you’ll pay a monthly premium of $121.60 (or higher based on your income) and a $283 deductible in 2026. After you meet the deductible, you’ll pay up to 20% of the Medicare-approved amount for your immunosuppressive drugs. If you sign up for the immunosuppressive drug benefit and have limited income and resources, but don't have full-benefit Medicaid coverage, you may qualify for help paying the costs through one of these Medicare Savings Programs: Qualified Medicare Beneficiary (QMB) Program, Specified Low-Income Medicare Beneficiary (SLMB) Program, and Qualifying Individual (QI) Program. Learn about Medicare Savings Programs.

Ask your doctor or healthcare provider how much your test, item, or service will cost.

Your doctor may recommend services that Medicare does not cover or offers too frequently. This could end up in additional costs for you. Make sure to ask your doctor about the reasons for these recommendations and what Medicare will actually cover.

Specific amounts you could owe depend on:

  • Other insurance you may have

  • How much your doctor charges

  • If your doctor accepts assignment

  • The type of facility

  • Where you get your test, item, or service