Does Medicare cover cancer treatment after age 76?
Medicare covers cancer treatment after age 76 or at any age. There is no age limit for cancer treatment coverage with Medicare. You may be covered by Part A, Part B, or Part D prescription drug coverage for cancer treatment, depending on the type of treatment required. There are out-of-pocket costs, including deductibles and coinsurance amounts for cancer treatment with Medicare, but a Medicare Supplement plan can help pay them.
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UPDATED: Jan 21, 2021
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- Medicare covers cancer treatment after age 76
- There is no age limit on cancer coverage with Medicare
- You may have out-of-pocket costs, including deductibles and coinsurance
Does Medicare cover cancer treatment after age 76? Medicare covers cancer treatment regardless of age. There is no difference in coverage for those over 76 for cancer or any other treatment with Medicare. Cancer treatment is covered by Medicare Part B, which has a deductible and 20 percent coinsurance. Medicare Supplement insurance will pay for some or all of that cost.
If you have a Medicare Advantage plan you may have slightly different coverage, although there is still no age limit for cancer treatment. Medicare Advantage health insurance plans tend to offer extra benefits, sometimes with an added monthly cost.
If you’d like to compare Medicare coverage for cancer treatment to reduce out-of-pocket costs, enter your ZIP code now.
What cancer treatment coverage does Medicare offer to those over 76?
Medicare covers FDA-approved cancer treatment, including chemotherapy, under Part B. Part A coverage will pay for any inpatient hospital treatment such as surgery. If you require prescription drugs as part of your cancer treatment that are taken at home rather than administered in a hospital or clinic, that will be covered under Medicare Part D.
Medicare Part D coverage may have deductibles or co-payments for prescription drugs, If you have purchased a supplemental plan with Part D or have prescription coverage as part of a Medicare Advantage plan, your coverage may be somewhat different. Since plans that are purchased from private insurance companies may have additional coverage or a different formulary from Original Medicare, you will need to check with your provider.
You age will not affect the coverage whether you have Original or Advantage.
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What is the cost of cancer treatment with Medicare?
With Original Medicare, you will pay any deductibles that are applicable, which apply for both Part A and Part B depending on the treatment. For Part B coverage, your health care coinsurance amount is 20 percent, which means Medicare covers 80 percent.
If you have a Medicare Supplement plan, you may have little to no out of pocket cost. Each plan has a different level of coverage, but there are plans available that pay both deductibles as well as the coinsurance cost. You will have to pay the monthly cost of the supplemental plan.
Your out-of-pocket costs with a Medicare Advantage plan will vary. One of the benefits of Medicare Advantage is that it allows you to choose your level of coverage, and pay a higher monthly premium in order to avoid out-of-pocket expenses in the future.
Of course, the final cost of your Medicare treatment will depend on what sort of treatment you require. Your age will have no bearing on this amount or on what is covered by Medicare.
Does Medicare cover cancer treatment after age 76? The Bottom Line
There is no age limit for cancer treatment with Medicare. Even if you are 76 and older, you will receive the same coverage for cancer treatments as any other age group. Medicare covers your treatment as long as it is medically necessary and FDA approved. You can get your out-of-pocket costs covered by a supplemental plan to avoid bills.
To compare rates on supplemental options to cover cancer treatment with Medicare regardless of age, enter your ZIP code now.