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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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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UPDATED: Jun 1, 2022

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The Highlights

  • 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, and any surgical procedures, 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 depending on the type of procedure. 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 for this type of surgery.

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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 bunion surgery according to The Bunion Institute. Some types will use more conservative treatments, while more severe bunions will require more invasive bunion surgery. You should discuss with your healthcare provider any risks of bunion surgery. 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.

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