Medigap Monday: Does Medicare Supplement Plan G cover second opinions

When your doctor says you need surgery to diagnose or treat a health problem that isn’t an emergency, it’s up to you to decide when and if you’ll have surgery.

Medicare Part B covers a second opinion in some cases for surgery that isn’t an emergency. Medicare also will help pay for a third opinion if the first and second opinions are different. All people with Part B are covered.

You pay 20% of the Medicare-approved amount. The Part B deductible applies. If the second opinion doesn’t agree with the first opinion, you pay 20% of the Medicare-approved amount for a third opinion.

The Medicare Supplement Plan G will pay for the second and third opinion as long as Medicare will pay for it. Once you meet your annual deductible of $198 in 2020, the Plan G will pay for those services. You will pay nothing.

If your doctor tells you that you should have certain kinds of major non-surgical procedures,  Medicare doesn’t pay for surgeries or procedures that aren’t medically necessary, like cosmetic surgery. This means that Medicare won’t pay for second opinions for surgeries or procedures that aren’t medically necessary therefore, the Medicare Supplement Plan G will not cover these.