Original Medicare (Part A and Part B) and all Medicare Advantage plans (Part C) provide full coverage for the following services and treatments related to COVID-19:

• Virus tests
• Antibody tests (if FDA-approved)
• Vaccine (when one becomes available)

This means you won’t pay a dime out-of-pocket for Medicare-approved COVID-19 tests or a vaccine. Medicare will even pay for up to eight at-home COVID-19 tests every month. 

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Medicare costs for COVID-19 treatment and prescriptions

Medicare provides the same coverage for inpatient hospitalizations due to COVID-19 as it does for all other covered conditions, under the same guidelines regarding deductibles, coinsurance and copayments. 

If a Medicare beneficiary visited a doctor to undergo a COVID-19 test, the test and the doctor’s visit will both be covered in full. Beneficiaries should not expect to be billed for the office visit that was required to take the test. 

Part A costs

Part A (which covers hospital stays) requires a deductible of $1,632 per benefit period in 2024. Once that is satisfied, a beneficiary would then not be responsible for any further Part A out-of-pocket costs related to their hospital stay itself (assuming the hospital stay lasted fewer than 60 days).

Part B costs

Depending on what types of services and items were administered to a beneficiary during an inpatient hospital stay, it’s possible that they may incur charges for his Part B deductible or coinsurance.

In 2024, the Medicare Part B deductible is $240 for the year, and you typically pay a 20 percent coinsurance cost for Medicare approved treatment after meeting your deductible.

Part D prescription drug costs

You may want to check with your Part D plan carrier to see how those medications will be covered under his plan. 

If you believe you faced unfair or incorrect charges as a result of COVID-19 treatment, you have the right to file an appeal. Learn more about your rights as a Medicare beneficiary.

Medicare expands telehealth and other benefits during coronavirus outbreak

Medicare has also expanded its coverage of telehealth services to allow patients to consult with their doctor virtually and limit the amount of in-person contact during the coronavirus pandemic. 

Medicare has also expanded certain other benefits during the COVID-19 outbreak, such as loosening prescription drug refill limits. 

If you have any additional questions about the Medicare plans available where you live, you can call today to speak with a licensed insurance agent who can help you compare plan costs, find out what plans cover your drugs and – if you’re eligible – help you sign up for the right plan for you.​

You can also compare plans online for free, with no obligation to enroll.