I am hopeful that I am correct in saying that I believe most seniors have been able to find a primary doctor and or specialists that they like, trust and in most cases are confident in any medical treatment recommendations they might receive from them. However, if your doctor is recommending that you need some type of surgery, this is such an important decision that you may feel more comfortable to get a second opinion from another specialist. So, the question here is – Will your Medicare coverage pay for a part or all of the cost you will incur if you see another doctor for the same medical issue. This article should provide an answer . .
Will Medicare Cover A Second Opinion before Surgery?
What is a second opinion?
When you’re making a critical health decision, you may want a second opinion. A second opinion is where a doctor other than your regular doctor gives her view on your health problem and how to treat it. A second opinion helps you make a more informed decision about your care. Doctors may differ on their recommendations for treatment choices following a diagnosis. According to Stanford Health Care, asking another physician or surgeon for a second opinion is important in ensuring that a particular procedure is the best option for you. According to the American Cancer Society, any type of medical procedure has risks. Generally the more complex the surgery is, the greater the risk of side effects. Side effects of surgery could include but are not limited to:
-
- Bleeding
-
- Blood clots
-
- Damage to nearby tissue
-
- Drug reactions or reaction to anesthesia
-
- Damage to other organs
-
- Pain
-
- Infections
A second opinion may help you decide when and if you’ll have surgery. You may also want a second opinion for a major non-surgical procedure. However, if the surgery or procedure is not medically necessary, Medicare generally won’t cover the second opinion nor the surgery or procedure.
How do I find a doctor to give a second opinion?
According to Medicare.gov, you can ask the doctor who gave you the first opinion for the name of another doctor that can give you a second opinion. Your doctor may be encouraging of your desire to get a second opinion and not view it as lack of faith in her own medical advice. You can also can ask another doctor you trust (not the doctor who gave you the first opinion) to recommend a doctor. You also can ask your local medical society for the names of doctors that specialize in your illness or injury. For example, the American Cancer Society website has links to directories of healthcare professionals.
Does Medicare cover a second opinion?
Medicare Part B (medical insurance) may cover a second opinion in some non-emergency cases. If the first and second opinions are different, Medicare may also pay for a third opinion. Make sure that the doctor giving the second or third opinion accepts Medicare. You generally pay 20% of the Medicare approved amount for a second opinion and the Part B deductible applies. If you have an emergency situation, such as an accidental injury, acute appendicitis, a blood clot or aneurysm, don’t wait for a second opinion. You may need surgery immediately. Medicare has neither reviewed nor endorsed this information.
Article Source: Medicare.com
If you have any questions about this subject or would like to speak to us about any of your Medicare needs in regards to Medicare supplement, Medicare Advantage or Part D prescription drug plans, I would certainly be very happy to speak with you.
I am an independent agent specializing in the senior market. My services to you will always be FREE. I would be very happy to look at your current coverage and compare it to the marketplace to make sure that you are still getting a good value.
Billy Williams
800-499-1942
