Blood tests are used to diagnose various diseases, screen for risk factors, and determine other factors about an individual’s health. It is a simple procedure that is used to detect warning signs and body function. Medicare covers different types of blood tests that approved healthcare providers recommend to keep track of the beneficiary’s health.
Which Part of Medicare Covers Blood Tests?
Medicare Part A, Part B, and Part C all cover approved blood tests. Under Medicare Part A, you can get coverage for inpatient blood tests that are deemed medically necessary. The healthcare provider may order a blood test during an inpatient stay, skilled nursing facility stay, hospice stay, or another related inpatient facility.
Medicare will also cover blood tests when a physician orders a medically necessary blood test while you are an outpatient. Approved outpatient blood tests are covered under Medicare Part B under diagnostic screenings.
Apart from Original Medicare, Medicare Advantage plans also cover blood tests. Medicare Advantage plans are private insurance packages that combine Part A and Part B coverage. They are required to at least cover the same services as Original Medicare. Medicare Advantage plans may also cover certain tests that are not covered under Medicare Part A and Part B as extra benefits. Each Part C plan covers different services, so it is important to determine which blood tests are covered before joining a Medicare Advantage plan.
To get maximum coverage, it is advisable to visit in-network healthcare providers. Your healthcare provider will let you know where to visit. Medicare covers tests at doctors’ offices, nursing facility labs, hospital labs, independent labs, and other approved centers.
Costs
To receive coverage for most blood tests, you will need to meet your Part A or Part B deductible. The costs will vary based on the type of test, your location, and the lab you receive the test from. Some blood tests are also covered with no coinsurance or deductibles, while some may have a limit on how often you will receive coverage.
You may want to consider enrolling in a Medicare Supplement plan to reduce your out-of-pocket expenses for blood tests while covered under Original Medicare.
For more information and assistance with various Medicare plans and the types of tests they will cover, give us a call. We’re here to help you find the coverage you need!
