Medicare can cover a biopsy to find out whether you have cancer or another health condition. Your costs will depend on several factors. Things that can influence cost include location, supplemental coverage, and type of biopsy.
Will Medicare Cover a Biopsy
Medicare covers medically necessary procedures to diagnose and treat health conditions, including biopsies. Biopsies are often associated with cancer, but they can also help your doctor identify other conditions such as infections or inflammation.
During a biopsy, your doctor will surgically remove a small amount of tissue and sent it to a lab for testing. You may be under anesthesia. Most biopsies are outpatient. You may get bills from doctors, facilities, and labs for your procedure.
Biopsies performed in doctors’ offices or at outpatient centers are covered by Part B, Medicare’s medical coverage. If your doctors accept Medicare assignment, you won’t have a higher fee. But, before Medicare pays, you must meet the annual part B deductible.
If you are an inpatient at a hospital, Part A covers biopsies. Part A also has a deductible. But after you’ve met that deductible, Part A pays 100% of the biopsy’s cost.
Does Medicare cover needle biopsies?
Needle biopsies involve inserting a needle into your body to get cells from your muscles, bones, or organs for testing. Needle biopsies may detect cancer or diagnose other conditions such as infections or inflammations.
There are two types of needle biopsies: Fine needle aspiration and core needle biopsy. Medicare covers both kinds of needle biopsies. Coverage is the same as for other types of biopsies Medicare also covers anesthesia and imaging tests such as CT scans, which your doctor may administer before or as part of the biopsy procedure.
Does Medicare cover prostate biopsy?
If you’re 50 or older, Medicare covers an annual prostate-specific antigen test to screen for prostate cancer. If your results show higher than normal levels of the antigen, your doctor may order a biopsy to find out whether there are any cancer cells present.
As long as they are medically necessary, prostate biopsies are covered by Medicare, just like any other biopsy. Your biopsy will most likely be performed on an outpatient basis, and it will, therefore, fall under Part B’s medical coverage.
Does Medicare cover breast biopsy?
Medicare covers some screenings for breast cancer. Women over 40 who are on Medicare can have yearly screening mammograms free of charge.
Medicare also pays for a manual breast examination every two years as part of a well-woman exam. If a breast examination or mammogram reveals a lump or abnormality in your breast, your doctor may order a biopsy.
If your biopsy occurs at a doctor’s office or outpatient center, Medicare pays part of the cost. You pay the rest if you don’t have a Medigap plan. With Medigap coverage, your biopsy could have total coverage.
Does Medicare pay for an oral biopsy?
Oral biopsies help doctors diagnose cancers in your mouth or oropharynx–the part of your throat behind your oral cavity. Your doctor or dentist may refer you to a specialist for evaluation if they suspect you have mouth cancer.
Medicare doesn’t cover dental care or cancer screenings at a dentist’s office. But, Medicare does cover biopsies to diagnose cancers of the mouth. Medicare pays for oral biopsies in the same way as other types of biopsies.
Do Medicare Advantage Plans Cover Biopsies?
If you have Medicare Advantage, your plan will cover biopsies, just the same as if you had Medicare. But, private companies that sell Medicare Advantage establish deductibles and copays. That means your costs depend on the specifics of your plan. Unlike Medicare, Medicare Advantage plans have doctor networks. To keep your costs down, be sure the doctors are in your plan’s network.
Do Medigap Plans Cover Biopsies?
Medigap lowers your out of pocket costs for services and procedures that are covered by Medicare. All Medigap plans cover biopsies. But with some plans, you will be responsible for a flat copay or a percentage of the bill. For example, if you have Plan G, your plan will pay all the Part B charges that Medicare doesn’t after you meet the deductible.
How to Get Help Finding Medicare Coverage for Biopsies
Medicare can be confusing, even if you’ve done your homework. An agent can help you sort through the options and choose a policy that fits your budget and gives you the best coverage possible.
At MedicareFAQ, we help you every step of the way. Our agents are always available to answer questions and explain your options. Give us a call or fill out our form to get started with a free quote.