Does Medicare cover 3D mammogram?

Medicare covers a 3D mammogram under your Part B coverage at no additional cost. For a diagnostic 3D mammogram, your coinsurance with Original Medicare is 20%, and you will have to pay your Part B deductible. If you have a Medicare Advantage plan or a Medicare Supplement plan, you may have additional Medicare coverage for a 3D mammogram that pays out-of-pocket expenses.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 7, 2021

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The Highlights

  • Medicare covers a baseline mammogram for women 35-39 and annual screening mammograms for women 40+ at no charge
  • Medicare will also cover a diagnostic mammogram if medically necessary with a coinsurance amount
  • You can have a 3d mammogram at no additional cost under your Original Medicare plan

Does Medicare cover a 3D mammogram? While not all health insurance plans will pay for a 3D mammogram, if you have Medicare it is covered at no additional cost. There are a deductible and coinsurance amount for diagnostic mammograms, but that may be covered by a Medicare Supplement plan. Medicare Advantage plans may also cover it without out-of-pocket expenses depending on your plan.

If you’d like to compare quotes for Medicare options that cover 3D mammograms without out-of-pocket expenses, enter your ZIP code above.

Does Medicare cover a 3D mammogram?

According to, Medicare will cover mammograms under your Part B coverage.  This includes 3D mammograms, also known as digital breast tomosynthesis (TOMO),  at no additional charge. Medicare covers the following different types of mammograms:

  • One baseline mammogram for women between the ages of 35-39
  • One screening mammogram every 12 months for women 40 and over
  • Diagnostic mammograms more often when medically necessary

Whether or not a diagnostic mammogram is medically necessary will be decided by your doctor. Since the other types are considered to be preventative care, they are covered automatically.

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What is the out-of-pocket cost of a 3D mammogram?

For a screening mammogram, there is no out-of-pocket cost under Original Medicare Part B. The coinsurance amount for a diagnostic mammogram is 20 percent of the Medicare-approved amount. You will also have to pay your Part D deductible or any part of it that is remaining unless you have already met it for the year.

There is no increased cost for a 3D mammogram over a 2D mammogram with Original Medicare

If you have Medicare Advantage, the coinsurance and deductible amounts will vary by plan. You’ll need to look at your summary of benefits or contact the insurance company that handles your Medicare Advantage plan to find out what you can expect to pay. Medicare Supplement Insurance (Medigap) can also help to pay deductibles and coinsurance amounts for Original Medicare, which can reduce the out-of-pocket cost of a 3d mammogram to $0 in some cases.

Does Medicare cover a 3D mammogram? The Bottom Line

Medicare does cover 3D mammograms with no additional cost to you beyond coinsurance and deductible amounts that may apply to a diagnostic mammogram. Whether you have a 2D or 3D mammogram will not affect the coverage provided by Medicare.

You may be able to reduce your out-of-pocket costs for a 3D mammogram by choosing Medicare Advantage or adding a Medicare Supplement plan to your Original Medicare. To compare rates for these Medicare options, enter your ZIP code now.

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