Does Medicare cover bunion surgery?
Medicare covers bunion surgery when it is medically necessary and recommended by a Medicare-approved doctor. Original Medicare coverage for bunion surgery has a deductible and 20 percent coinsurance for outpatient surgery. Inpatient surgery to remove a bunion is covered by Part A with a deductible. You may have no out-of-pocket costs for bunion surgery with Medicare Supplement or Medicare Advantage plans.
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UPDATED: Jan 21, 2021
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- Medicare covers foot care and treatment that is medically necessary
- Bunion surgery is covered by both Original Medicare and Medicare Advantage
- You may have out-of-pocket costs for deductibles and coinsurance
Does Medicare cover bunion surgery? Medicare will cover any medically necessary foot treatment, including bunion surgery. Medicare Part B will cover doctor visits and any outpatient treatment. If hospitalization is required for your surgery, it will be covered under Part A. Both parts have a deductible, and Part B coinsurance is 20 percent. Medicare Supplement insurance can help cover that cost.
If you have Medicare Advantage for your health insurance, your coverage levels may vary. Check with your provider to find out how much you may need to pay.
To compare rates on Medicare plans to cover bunion surgery with little or no out-of-pocket costs, enter your ZIP code now.
What bunion surgery coverage does Medicare provide?
Original Medicare covers foot care and treatment by a foot doctor including coverage for bunion surgery. The surgery must be medically necessary and prescribed by a Medicare-approved doctor. As mentioned above, portions of your bunion treatment may be covered under both Part A and Part B, depending on whether you require inpatient or outpatient services.
Medicare Advantage plans are offered by private insurance companies and have a variety of different coverage options available. Your Medicare Advantage plan will cover your bunion surgery, but the coverage level may be different from Original Medicare. Contact your plan provider to find out what coverage you have available.
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What is the cost of bunion surgery with Medicare?
Original Medicare covers bunion surgery once you have met your deductible, and will pay 80 percent of the cost under Part B. If you need to be treated in a hospital, your Part A coverage will kick in after the deducible. The cost of bunion surgery before insurance varies, as there are more than 40 different types of surgery according to The Bunion Institute. The average bunion surgery cost falls at $5560.
You can avoid paying the out-of-pocket costs with a Medicare Supplement plan. Plan coverage varies, and may cover some or all of your deductible and health care coinsurance amounts.
Medicare Advantage plans may have deductibles and coinsurance for bunion surgery, but the coverage varies. Check with your plan provider to find out what your out-of-pocket costs might be.
Does Medicare cover bunion surgery? The Bottom Line
Medicare will cover bunion surgery as long as it’s medically necessary. The cost of the surgery will depend on whether you have Original Medicare or Medicare Advantage, and whether you have a Medicare Supplement plan to cover out-of-pocket expenses.
To get your bunion surgery costs covered in full by Medicare, enter your ZIP code now and compare quotes for supplemental coverage.