Speak with a licensed insurance agent
Does Medicare Cover Breast Reduction Surgery?
Reviewed by John Krahnert
Original Medicare may cover medically-necessary breast reduction surgery. Medicare Advantage plans may also cover breast reduction surgery in certain limited situations and include an annual out-of-pocket spending limit, which Original Medicare doesn’t include.
Yes, Original Medicare (Part A and Part B) may cover breast reduction surgery that is deemed medically necessary by a doctor. The part of Medicare (Part A or Part B) that covers your breast reduction surgery will depend on the type of facility in which you undergo surgery.
Medicare Advantage (Part C) plans may also cover a breast reduction surgery that is deemed medically necessary by your doctor.
Medicare Advantage plans also offer an annual out-of-pocket spending limit, which can potentially save you money in Medicare costs for your surgery.
Original Medicare does not include an out-of-pocket spending limit.
When does Medicare pay for breast reduction surgery?
Medicare may help cover breast reduction surgery if your doctor determines it is necessary to help treat or eliminate issues like severe back and neck pain by removing excess breast skin and tissue.
These symptoms can stem from breast hypertrophy (also called macromastia), which is a notable increase in the density and weight of the breasts relative to the rest of your body.
Breast reduction surgery may be considered medically necessary when:
- The surgery purpose is to reduce symptoms of back pain, neck pain, numbness, or skin issues like dermatitis
- The surgery is for reconstructive purposes after breast cancer or mastectomy
- You have tried and failed non-surgical options
- Breast hypertrophy is the primary cause of the health issues that are being addressed by the surgery
Depending on whether your breast reduction surgery is performed as an inpatient hospital procedure or as outpatient surgery, Medicare Part A or Part B may cover some of your costs:
- If you receive the surgery as an inpatient, the hospital and inpatient care costs related to the breast reduction surgery are typically covered by Medicare Part A (Hospital Insurance).
- If you receive the surgery as an outpatient, any doctor’s services related to the breast reduction surgery are typically covered by Medicare Part B (Medical Insurance).
Even if you receive your surgery as an inpatient, Medicare Part B is responsible for doctor’s visits for pre-op and follow up.
How much does breast reduction surgery cost with Medicare?
While it is possible Medicare may cover some costs related to your breast reduction surgery, you may be required to pay certain out-of-pocket costs, which may include:
- Inpatient surgery
- Part A deductible
- Part A coinsurance
- Outpatient surgery
- Part B deductible
- Part B coinsurance or copayment
Medicare Part A deductible for hospital services
The Medicare Part A deductible is $1,632 per benefit period in 2024.
A Part A benefit period starts when you are admitted for inpatient hospital care and ends when you have stopped receiving inpatient care for 60 consecutive days.
The Part A deductible is not annual, and you could experience more than one benefit period in a given calendar year.
Medicare Part A coinsurance for hospital services
When you meet your Part A deductible in a benefit period, you could face Part A coinsurance costs for inpatient hospital stays that last longer than 60 days (which is not common for breast reduction surgery):
- Days 1-60 spent in the hospital: $0 coinsurance for each benefit period
- Days 61-90: $408 coinsurance per day of each benefit period in 2024
- Days 91 and beyond: $816 coinsurance per each “lifetime reserve day” after day 90 for each benefit period in 2024
- Beyond lifetime reserve days: you pay all costs
Medicare Part B deductible for outpatient costs and doctor’s services
The Medicare Part B deductible is a total of $240 per year in 2024. You must meet your Part B deductible before your Part B coverage will kick in.
Medicare Part B coinsurance or copayment
After your Part B deductible is met, you typically pay 20 percent of the Medicare-approved amount for most doctor’s services.
There is no annual limit on how much you could pay for the Part B coinsurance in a given year. This means that the costs related to your breast reduction surgery could add up quickly.
By clicking "Sign me up!” you are agreeing to receive emails from MedicareAdvantage.com.
Thanks for signing up for our emails!
Your Medicare guide will arrive in your email inbox shortly. You can also look forward to informative email updates about Medicare and Medicare Advantage.
If you'd like to speak with an agent right away, we're standing by for that as well. Give us a call!
LICENSED AGENTS AVAILABLE NOW
Medicare Advantage plans have an out-of-pocket spending limit
Medicare Advantage plans are sold by private insurance companies and must cover everything that Original Medicare covers.
If your breast reduction surgery is covered by Original Medicare, it will also be covered by a Medicare Advantage plan.
Some Medicare Advantage plans may also offer other benefits not found in Original Medicare.
Learn more about Medicare Advantage plans that are available in your area and the benefits they may offer. Call today to speak with a licensed insurance agent who can help you compare plans if you’re eligible to enroll.
Compare Medicare Advantage plans in your area
Compare plansOr call 1-800-557-6059 TTY Users: 711 24/7 to speak with a licensed insurance agent.
About the author
Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.
..Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.
Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.
Christian has written hundreds of articles for MedicareAvantage.com that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.
Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.
A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism.
If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at Mike@tzhealthmedia.com.
By clicking "Sign me up!” you are agreeing to receive emails from MedicareAdvantage.com.
Thanks for signing up for our emails!
Your Medicare guide will arrive in your email inbox shortly. You can also look forward to informative email updates about Medicare and Medicare Advantage.
If you'd like to speak with an agent right away, we're standing by for that as well. Give us a call!
LICENSED AGENTS AVAILABLE NOW