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 $183.00, 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.
