Last Updated : 10/06/20185 min read

If you’re on Medicare, you might expect that the program would cover doctor visit costs. Medicare may cover doctor visits if certain conditions are met, but in many cases you’ll have out-of-pocket costs, like deductibles and coinsurance amounts.

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Here's an example of how copays and coinsurance work with a Medicare Advantage plan. The visit costs $160. Because she hasn't reached her deductible yet, she pays the full amount for the visit. Her doctor says she needs to use crutches until her ankle heals. Medicare Part B has a $183 deductible each year. Medicare Part A. Medicare Part B (Medical Insurance) for longer than 12 months, you can get a yearly “Wellness” visit once every 12 months to develop or update a personalized prevention plan to help prevent disease and disability, based on your current health and risk factors. Your provider may also perform a cognitive impairment assessment. Original Medicare only covers chiropractic visits for manual manipulation of the spine to correct subluxation — a displacement or misalignment of a joint or body part. After you meet your Medicare Part B deductible, you pay $0 for services covered by Original Medicare. Office visit copay may apply. For the rest of the year, Frank will owe absolutely nothing out of pocket for covered Part A & B services. His Medicare Plan G coverage takes care of the rest. His only copays will be for his medications under his separate Part D prescription drug card. This means he doesn’t have to worry about any more doctor copays. Does Medicare Part B Cover Copayments? Medicare Part B, which includes most doctor visits, durable medical equipment, and some home health care, covers most copayments. While you don’t have to contribute a copayment when you visit the doctor’s office, you typically do have to pay one when you get outpatient hospital or mental health services.

Doctor visits: a general rule

No matter what kind of Medicare coverage you may have, it’s important to understand that your doctor must accept Medicare assignment. That’s an agreement the doctor has with Medicare that the doctor will accept the Medicare-approved amount as payment in full for a given service, and won’t charge you more than a coinsurance payment and deductible.

Doctor visits: How does Original Medicare cover them?

Original Medicare is made up of Part A (hospital insurance) and Part B (medical insurance). Generally, Part B covers doctor visits – even when you’re in the hospital, where a lot of your care comes under Part A. A deductible and/or coinsurance amount may apply.

Many services covered under Part B come with a 20% coinsurance amount after you’ve paid your Part B deductible. For example, if the Medicare-approved amount for a doctor visit is $100, and you’ve already paid your Part B deductible, you’d pay $20 in coinsurance (20% of $100). If the doctor orders tests, those may be extra.

Did you know you might be able to buy insurance that may cover these out-of-pocket costs for doctor visits? Read about Medicare Supplement (Medigap) insurance plans below.

Doctor visits and Medicare Supplement insurance

What Is The Copay For A Doctor Visit With Medicare

It may be useful to know that Medicare Supplement insurance plans may help pay for Medicare Part A and Part B out-of-pocket costs. Medicare Supplement insurance plans generally pay at least part of your coinsurance amounts for Medicare-covered doctor visits. Most standardized plans typically pay the full Part B coinsurance amount.

For example, suppose you had a doctor visit, and the doctor ordered an MRI (magnetic resonance imaging) screening. Let’s say the Medicare-approved costs were $100 for the doctor visit and $900 for the MRI. Assuming that you’ve paid your Part B deductible, and that Part B covered 80% of these services, you’d still be left with some costs. In this scenario, you’d typically pay $20 for the doctor visit and $180 for the x-rays.

If you had Medicare Supplement Plan M, those Part B out-of-pocket costs might be completely covered so you would pay nothing. Of course, Medicare Supplement plans come with a monthly premium. But if you have many doctor visit costs, you might want to learn more about Medicare Supplement plans.

Some doctor visits may be free of charge

If you have Medicare Part B, or if you’re enrolled in a Medicare Advantage plan, you may get a number of doctor visits and screenings free of charge.

• “Welcome to Medicare” preventive care visit. During the first 12 months after you enroll in Medicare Part B, Medicare provides full coverage for this preventive care doctor visit. The “Welcome to Medicare” doctor visit may include:
  • A review of your medical history
  • A simple vision test
  • Certain disease prevention/detection screenings
  • A depression screening
  • Certain shots if needed
  • Measurement of your vital signs (such as height, weight, and blood pressure)
  • A written plan outlining what additional screenings, shots and other preventive services you need.
• Annual wellness visit. After the first 12 months of coverage, Medicare covers a wellness doctor visit once a year. The doctor will review your medical history; update your list of medications; measure your height, weight, blood pressure and other vital signs; and discuss your health status with you.

Medicare Part B may cover other doctor visits and preventive screenings. For example, you’ll get a doctor visit every year to evaluate and help reduce your risk of cardiovascular disease. There is no charge for this visit.

Medicare Part B Copay Doctor Visits

Be aware that if your doctor orders other tests or medical services during your doctor visit, you might need to pay a deductible amount or coinsurance. Medicare might not cover certain tests or services at all. You might want to find out ahead of time whether the services are covered.

Doctor visits and Medicare Advantage

Perhaps you chose to enroll in a Medicare Advantage plan as an alternate way to receive your Original Medicare benefits. Your doctor visits may have different out-of-pocket costs than you’d pay under Original Medicare.

Medicare Advantage plans are offered by private insurance companies contracted with Medicare. Some plans have monthly premiums as low as $0, but they generally have other costs. Coinsurance, copayments, and deductibles may vary from plan to plan – as will premiums.

You’ll still have to pay your Medicare Part B premium if you sign up for a Medicare Advantage plan – in addition to any premium the plan may charge.

Medicare Part B Copay Doctor Visit Program

Are you looking for more information about Medicare coverage and doctor visits? Would you like to learn more about your Medicare coverage options? Please feel free to contact me by using the links below. If you wish to compare some of the Medicare plans where you live, use the Compare Plans button on this page.

Medicare Part B Doctor Copay

Benefits, premiums and/or copayments/co-insurance may change on January 1 of each year.

Medicare Part B Doctor Visit Deductible