Does Medicare cover CT scans?

Does Medicare cover CT scans? In most cases the answer is yes, but if you don't have Medicare Part B coverage there is less of a chance that your CT scan will be covered. Read more to find out everything you need to know about Medicare and CT scans. You can compare health insurance and Medicare costs in your locality below.

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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 26, 2021

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The Highlights

  • CT (computerized tomography) scans are a common, and very helpful tool doctors use to diagnose a variety of diseases and conditions
  • Medicare coverage of CT scans will depend on what type of Medicare coverage you have
  • Typically, all diagnostic tests are covered under Medicare Part B
  • If you’re admitted to a hospital Medicare Part A may cover any CT scans done as a part of your care while in hospital

Medicare coverage is a real lifeline for many seniors and people with disabilities. If you need diagnostic tests like a CT scan, you may be asking yourself does Medicare cover CT scans?

Medicare will cover CT scans, but it depends on the type of Medicare you have, and the details regarding why and how you were given the CT scan. We know that health insurance can seem complicated, but hopefully, this helps make it a little bit easier to understand.

We’ll go through common situations in which you may be given a CT scan and if Medicare will cover the CT scan in those instances. More likely than not, Medicare will cover your CT scan. Make sure you have the right Medicare coverage.

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Will my CT scan be covered by Medicare?

Does Medicare cover CT scans? Yes, in most cases CT scans will be covered by Medicare Part B. According to Medicare.gov, Medicare Part B covers all medically necessary services. These services include tests and diagnostics used to accurately diagnose medical conditions.

As long as you have a Medicare-approved doctor who recommends and orders a CT scan for you, Medicare Part B should cover the CT scan. If you don’t use a Medicare-approved doctor or don’t have Medicare Part B, your CT scan may not be covered by Medicare.

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Will Medicare Part A cover CT scans?

Medicare Part A is hospital insurance. In most cases, Medicare Part A will not cover the CT scan cost. However, in certain circumstances, Medicare Part A will cover CT scans. The exception is when you are staying in a hospital or medical care facility approved by Medicare.

If you get a CT scan while in the hospital, Medicare Part A will cover it. Speak with your Medicare representative to learn more about what Medicare Part A will and won’t cover.

How much does a CT scan cost?

This price will vary based on provider, hospital, insurance company, etc. However, if you have Medicare coverage your cost is only 20% of the Medicare-approved price for the CT scan. Plus, you will have to pay any deductibles and copayments applicable to your situation.

Understanding health insurance deductibles can be confusing. Medicare Part B does have copayments and deductibles. Check out the average monthly costs of Medicare Part B coverage.

Medicare Part B Estimated Monthly Premiums, Deductibles, and Coinsurance Rates
Premium,
Deductible, and
Coinsurance
Estimated Monthly Medicare Part B Rates
Standard Part B
premium
$145
Part B deductible
and coinsurance
$198
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Remember, you will also have to pay 20% of the Medicare-approved price as well. Depending on when you reach your deductible, if there is a copayment due, and what the Medicare approved cost for your CT scan is the price of a CT scan will vary.

If you’re ready to compare health insurance and Medicare costs in your area, enter your ZIP code below.

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