Medicare Coverage for Erectile Dysfunction (ED)
Medicare prescription drug plans don’t cover Viagra, Cialis or other medications used to treat erectile dysfunction. Injections and penis pumps aren’t covered either. Penile implant surgery is partially covered by Medicare for those who qualify.
- Written by 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.Read More
- Edited ByLee Williams
Senior Financial Editor
Lee Williams is a professional writer, editor and content strategist with 10 years of professional experience working for global and nationally recognized brands. He has contributed to Forbes, The Huffington Post, SUCCESS Magazine, AskMen.com, Electric Literature and The Wall Street Journal. His career also includes ghostwriting for Fortune 500 CEOs and published authors.Read More
- Published: May 17, 2021
- Updated: September 21, 2022
- 5 min read time
- This page features 15 Cited Research Articles
- Edited By
|Medicare Plan||ED Coverage|
|Part A (Inpatient)||N/A|
|Part B (Outpatient)||Covers 80% of penile implant surgery costs if you qualify and have reached your Part B deductible.|
|Part C (Medicare Advantage)||Most plans with prescription drug coverage don’t cover oral or injectable ED medications, but treatments may be covered for those who qualify.|
|Part D||Congress has banned coverage of medications for ED.|
|Supplemental Insurance||Can help cover out-of-pocket costs related to erectile dysfunction. Coverage varies by plan.|
Does Medicare Cover Erectile Dysfunction Treatment?
Medicare doesn’t typically cover erectile dysfunction oral medications or injections.
However, penile implant surgery is partially covered by Medicare for those who qualify.
Diagnosing erectile dysfunction, or ED, typically requires you to answer a few questions and undergo a physical exam from your doctor.
- Blood tests
- Urine tests
- Psychological exams (such as a depression screening test)
Besides penile implant surgery, therapy from a mental health professional is generally the only other treatment covered by Medicare for erectile dysfunction.
Your out-of-pocket Medicare costs to treat erectile dysfunction may be high, since prescription drugs to treat the condition aren’t covered.
ED Drugs Covered Under Medicare
Oral medications are often the first line of treatment for erectile dysfunction.
Unfortunately, Medicare generally does not cover brand-name prescription drugs used to treat erectile dysfunction, such as Viagra and Cialis.
Since 2006, Congress has banned Medicare Part D coverage of medications for erectile dysfunction.
In addition, most private Medicare Advantage plans with prescription drug coverage don’t cover oral or injectable ED medications.
These medications can be expensive without insurance. Drugs.com estimates that just two 100 milligram Viagra pills cost about $164.
However, generic versions of these drugs are now on the market for a fraction of the price.
It’s nearly always more affordable to purchase generic erectile dysfunction medications — such as sildenafil citrate, tadalafil and vardenafil — without insurance than to buy Viagra or Cialis.
For example, the average cash pharmacy price for sildenafil, the generic version of Viagra, costs about $197 for a 30-day supply, according to GoodRx.
Prescription coupons from GoodRx and similar companies can substantially reduce your out-of-pocket cost to as little as $12 to $25 a month.
- Buying the generic version
- Generic versions of Viagra and Cialis have been around since 2017. Filling a prescription for sildenafil or similar drugs will be cheaper than buying their brand-name counterparts.
- Comparison shopping
- Pharmacy prices vary, so the same drug may be cheaper at a different store. Certain web-based tools and apps allow you to easily compare prices.
- Pill splitting
- Sometimes getting pills at a higher dose and cutting them in half can be cheaper per dose.
- Taking advantage of manufacturer discounts or free samples
- You might be able to get a limited supply of medications from the manufacturer. You can ask your doctor if he or she has any free samples or free trials of ED medications.
Note that Medicare may cover sildenafil and another branded drug called Revatio when the drugs are used to treat pulmonary arterial hypertension, a serious high blood pressure condition in the lungs.
However, Medicare won’t cover these same drugs if prescribed for erectile dysfunction.
ED Pumps Covered by Medicare
In 2015, CMS discontinued coverage for male vacuum erection systems and related accessories.
According to legislation at the time, vacuum erection devices — more commonly known as penis pumps — were excluded from Medicare coverage “in the same manner that erectile dysfunction drugs are treated in Part D.”
Medicare Advantage plans must comply with such federal decisions, so private Medicare plans likely won’t cover erectile pumps either.
Your urologist might know of pharmacies in your area where FDA-approved penis pumps are sold.
Medicare Coverage for Penile Implants
Medicare covers penile implant surgery for those who qualify.
A penile implant prosthesis is considered a medically necessary treatment for erectile dysfunction if noninvasive treatments — such as prescription drugs and injections — have been ineffective.
Your erectile dysfunction must also be the result of an organic rather than psychological cause.
You can expect to pay between $2,500 and $3,000 out-of-pocket for penile implant surgery, according to Coloplast, a company that develops and produces medical devices related to ostomy, urology and continence.
You may owe less for this surgery if you have supplemental insurance, such as Medicaid or a Medigap policy.
If you’re enrolled in a Medicare Advantage plan, your doctor may need prior authorization before scheduling your surgery.
Penile implant procedures typically take place on an outpatient basis and are covered under Medicare Part B.
After meeting your annual Part B deductible, you will owe 20 percent for doctor services and 20 percent for any separately billed items you receive during surgery. Hospital facility fees also apply.
What Is Erectile Dysfunction?
Mayo Clinic defines erectile dysfunction, also known as impotence, as “the inability to get and keep an erection firm enough for sex.”
Symptoms of ED include trouble getting an erection, trouble keeping an erection and reduced sexual desire.
Underlying health conditions often contribute to erectile dysfunction. Other times, medications and other treatments may be necessary.
Some medications make it more difficult to keep or maintain an erection.
- High blood pressure drugs (antihypertensives)
- Parkinson's disease drugs
- Antiarrhythmics (for irregular heartbeat)
- Muscle relaxants
- Pain pills
- Chemotherapy medications
- Prostate cancer drugs
- Antiseizure medications
Other risk factors that may contribute to or worsen erectile dysfunction include alcohol and tobacco use, obesity, certain injuries and psychological conditions.
While ED is most common in older men, it can affect men at any age.
15 Cited Research Articles
- Mayo Clinic. (2022, March 29). Erectile dysfunction. Retrieved from https://www.mayoclinic.org/diseases-conditions/erectile-dysfunction/symptoms-causes/syc-20355776
- United Healthcare. (2020, August 18). Impotence Treatment. Retrieved from https://www.uhcprovider.com/content/dam/provider/docs/public/policies/medadv-coverage-sum/impotence-treatment.pdf
- Harvard Medical School. (2020, April 10). Which drug for erectile dysfunction? Retrieved from https://www.health.harvard.edu/mens-health/which-drug-for-erectile-dysfunction
- Cleveland Clinic. (2019, October 14). Erectile Dysfunction. Retrieved from https://my.clevelandclinic.org/health/diseases/10035-erectile-dysfunction
- Mayo Clinic. (2019, June 19). Erectile dysfunction: Viagra and other oral medications. Retrieved from https://www.mayoclinic.org/diseases-conditions/erectile-dysfunction/in-depth/erectile-dysfunction/art-20047821
- Andrews, M. (2019, February 13). The High Cost Of Sex: Insurers Often Don’t Pay For Drugs To Treat Problems. Retrieved from https://khn.org/news/the-high-cost-of-sex-insurers-often-dont-pay-for-drugs-to-treat-problems/
- Lakin, M. and Wood, H. (2018, June). Erectile Dysfunction. Retrieved from http://www.clevelandclinicmeded.com/medicalpubs/diseasemanagement/endocrinology/erectile-dysfunction/
- Span, P. (2015, July 31). ‘Sex Never Dies,’ but a Medicare Option for Older Men Does. Retrieved from https://www.nytimes.com/2015/08/04/health/sex-never-dies-but-a-medicare-option-for-older-men-does.html
- Centers for Medicare & Medicaid Services. (2015, July 1). Medicare Minute: Discontinued Coverage of Vacuum Erection Systems (VES) Prosthetic Devices in Accordance with the Achieving a Better Life Experience Act of 2014. Retrieved from https://www.hhs.gov/guidance/sites/default/files/hhs-guidance-documents/SE1511.pdf
- Centers for Medicare & Medicaid Services. (n.d.). Drug Coverage under Different Parts of Medicare. Retrieved from https://www.cms.gov/Outreach-and-Education/Outreach/Partnerships/downloads/11315-P.pdf
- Centers for Medicare & Medicaid Services. (n.d.). National Coverage Determination (NCD) for Diagnosis and Treatment of Impotence (230.4). Retrieved from https://www.cms.gov/medicare-coverage-database/view/ncd.aspx?NCDId=32&ncdver=1&bc=AAAAEAAAAAAA&
- Coloplast. (n.d.). Does Medicare cover penile implant surgery? Retrieved from https://www.coloplastmenshealth.com/erectile-dysfunction/insurance/medicare/
- Drugs.com. (n.d.). Viagra Prices, Coupons and Patient Assistance Programs. Retrieved from https://www.drugs.com/price-guide/viagra
- GoodRx. (n.d.). Sildenafil Generic Viagra. Retrieved from https://www.goodrx.com/sildenafil
- Johns Hopkins Medicine. (n.d.). Erectile Dysfunction. Retrieved from https://www.hopkinsmedicine.org/health/conditions-and-diseases/erectile-dysfunction
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