Does Medicare Cover Clinical Trials?

Medicare pays for routine costs in certain qualifying clinical research studies. However, a clinical trial may include services Medicare doesn’t cover, such as a new drug or additional tests conducted solely for data collecting purposes.

Rachel Christian, writer and researcher for RetireGuide
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    Rachel Christian

    Rachel Christian

    Financial Writer and Certified Educator in Personal Finance

    Rachel Christian is a writer and researcher for RetireGuide. She covers annuities, Medicare, life insurance and other important retirement topics. Rachel is a member of the Association for Financial Counseling & Planning Education.

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    Aflak Chowdhury

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  • Published: November 9, 2020
  • Updated: May 8, 2023
  • 4 min read time
  • This page features 12 Cited Research Articles
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A licensed insurance professional reviewed this page for accuracy and compliance with the CMS Medicare Communications and Marketing Guidelines (MCMGs) and Medicare Advantage (MA/MAPD) and/or Medicare Prescription Drug Plans (PDP) carriers’ guidelines.

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APA Christian, R. (2023, May 8). Does Medicare Cover Clinical Trials? Retrieved June 2, 2023, from

MLA Christian, Rachel. "Does Medicare Cover Clinical Trials?", 8 May 2023,

Chicago Christian, Rachel. "Does Medicare Cover Clinical Trials?" Last modified May 8, 2023.

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Clinical Trial Coverage at a Glance
Medicare PlanClinical Trial Coverage
Part A (Inpatient) Covers routine costs of items and inpatient services for qualifying covered clinical research studies that Part A would pay for even if you weren’t participating in a study.
Part B (Outpatient) Covers up to 80% of routine costs of items and services for qualifying covered clinical research studies. The Part B deductible may apply.
Part C (Medicare Advantage) Covers everything covered by Medicare Part A and Part B. Select plans may provide additional benefits.
Part D (Prescription Drugs) N/A
Supplemental InsuranceIf Parts A or B cover the routine costs of your study, your Medigap policy must pay the same as it would for any other Medicare-covered services.

What Is a Clinical Research Study?

A clinical research study, also known as a clinical trial, helps doctors find better ways to treat and prevent certain diseases, such as cancer.

The goal of clinical trials is to evaluate if a new test or treatment works and is safe.

Clinical trials also help medical professionals learn how to prevent disease, treat symptoms and minimize side effects.

Did You Know?
Only a small percentage of Americans over age 65 participate in clinical trials, even though seniors account for a disproportionate burden of disease in the United States.

People participate in clinical trials for various reasons.

Patients with a serious illness or disease may join a research study to potentially receive the latest available treatment, as well as personalized care from the research staff.

Before you join a clinical trial, a doctor, nurse or other professional on the research team will explain the study’s purpose and what to expect during the trial.

You will be given a consent form to read. Make sure to ask questions about any aspect of the clinical trial or consent form that you don’t understand.

Even if you decide to participate in a clinical trial and sign the consent form, you can always change your mind and stop participating.

Medicare Coverage of Clinical Trials

Original Medicare (Part A and Part B) pays for routine costs in certain qualifying clinical research studies.

Medicare will cover the following clinical trial costs:
  • Drugs, procedures and hospital stays that Medicare would cover even if you weren’t participating in a clinical trial
  • An operation to implant an item that’s being tested
  • Treatment of side effects and complications that may occur as a result of the study

Sometimes a clinical research study includes services Medicare doesn’t cover. For example, Medicare will not cover research-related costs.

Medicare will not cover the new item or service being tested unless it’s normally covered by Medicare outside of clinical trials.

For example, Medicare would pay for chemotherapy-related medical care — but not the new chemotherapy drug itself.

However, according to the Medicare & Clinical Research Studies booklet, the new treatment being tested is often provided for free by the study sponsor.

Different parts of Medicare may pay for different costs associated with your participation in a clinical trial.

Finally, Medicare will not cover additional tests and services conducted only for data collecting purposes.

For example, if Medicare usually only covers a yearly EKG test but the clinical trial conducts monthly EKGs, Medicare will not pay for these extra tests.

If you’re in a Medicare Advantage plan, you can get the same coverage for clinical research studies as someone in Original Medicare.

If you’re worried about paying for services not covered by Medicare, talk to the clinical trial research staff and see if they can help.

Which Clinical Trials Will Medicare Cover and How Do I Find One?

Your routine care costs are generally covered by Medicare if the clinical trial is funded at least in part by the federal government.

Clinical trials automatically qualify to receive Medicare coverage of routine costs if:
  • Trials are funded by the Agency for Healthcare Research and Quality, National Institutes of Health, Centers for Disease Control and Prevention, Centers for Medicare & Medicaid Services, the Department of Defense or the Department of Veterans Affairs.
  • Trials are supported by centers or cooperative groups that are funded by any of the organizations listed above.
  • Trials are conducted under an investigational new drug application reviewed by the Food and Drug Administration.

You can visit to see a list of government and private studies across the country. The website provides details about a trial’s purpose, who can participate, locations and contact information.

You can also join the National Registry of Research Volunteers at

This initiative is funded by the National Institutes of Health to connect people who are searching for research studies with researchers looking for people to participate in their studies.

It is a free, secure registry.

Last Modified: May 8, 2023

12 Cited Research Articles

  1. Centers for Medicare & Medicaid Services. (2022, March 3). Medical Clinical Trial Policies. Retrieved from
  2. National Institutes of Health. (2019, November 6). Finding a Clinical Trial. Retrieved from
  3. Centers for Medicare & Medicaid Services. (2019, September). Medicare & Clinical Research Studies. Retrieved from
  4. National Institutes of Health. (2019, May 30). Why Should I Participate in a Clinical Trial? Retrieved from
  5. Goldfarb, N. (2018, November 8). It’s About Time That Medicare Advantage Stops Being A Disadvantage For Clinical Research Participants. Retrieved from
  6. Editorial Board. (2018, October). Health Insurance Coverage of Clinical Trials. Retrieved from
  7. Alliance for Clinical Trials in Oncology. (n.d.). Medicare Coverage of Clinical Trials. Retrieved from
  8. American Cancer Society. (n.d.). Clinical Trials: What You Need to Know. Retrieved from
  9. Centers for Medicare & Medicaid Services. (n.d.). Medicare Coverage - Clinical Trials: Final National Coverage Decision. Retrieved from
  10. Centers for Medicare & Medicaid Services. (n.d.). Medicare Clinical Trial Policies. Retrieved from
  11. (n.d.). Clinical research studies. Retrieved from
  12. Public Health Service National Institutes of Health. (n.d.). If You Have Cancer and Have Medicare You Should Know About Clinical Trials. Retrieved from