Does Medicare Cover Mastectomy Surgery?
Medicare covers mastectomy and reconstruction surgery to treat breast cancer. How much you pay for surgery depends on many factors, including where the procedure takes place. Medicare also pays for some post-mastectomy supplies, including mastectomy bras and breast prostheses.
- 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: June 1, 2021
- Updated: November 1, 2022
- 11 min read time
- This page features 30 Cited Research Articles
- Edited By
Medicare Mastectomy Coverage
Medicare covers most cancer treatments, including a mastectomy to treat breast cancer.
A mastectomy is a type of surgery that removes all breast tissue from a breast. A lumpectomy is a similar procedure that removes only the cancerous area of the breast and a small amount of tissue around it.
Both surgeries are covered by Medicare, but how much you pay out-of-pocket depends on several factors, including where the surgery takes place.
Reconstruction surgery is also covered by Medicare.
You may require post-mastectomy products and supplies after surgery. Medicare covers some, but not all, of these products.
Does Medicare Cover Double Mastectomy?
There are several types of mastectomies. Medicare covers them all so long as the procedure is considered medically necessary.
- Total (Simple) Mastectomy
- This method removes the whole breast, including the nipple, the areola and most of the overlying skin.
- Double (Bilateral) Mastectomy
- In a double mastectomy, a surgeon performs a simple mastectomy — or, in some cases, a nipple-sparing mastectomy — to remove both breasts.
- Skin-Sparing Mastectomy
- Skin-sparing mastectomies remove the breast tissue, nipple and areola, but most of the skin over the breast is saved. This method is used only when breast reconstruction is done right after a mastectomy.
- Nipple-Sparing Mastectomy
- Similar to the skin-sparing mastectomy, this method removes all breast tissue, including the ducts going to the nipple and areola. However, if no cancer cells are found near the nipple and areola, these areas can be saved. Otherwise, this method is not advised.
- Radical Mastectomy
- This surgery is rarely performed now. The surgeon removes the entire breast, underarm lymph nodes and the chest muscles. This operation may still be performed for large tumors that are growing into the pectoral muscles.
Make sure your doctor and the medical facility where you plan to have surgery participate in Medicare.
If you’re enrolled in a Medicare Advantage plan, you may be restricted to doctors and health care facilities within your plan’s provider network. Medicare Advantage beneficiaries will need prior authorization for the surgery.
Medicare Part A Coverage for Mastectomy
Medicare Part A covers inpatient hospital services. If you undergo a mastectomy as a hospital inpatient, you are covered by Part A.
Part A includes a $1,600 deductible in 2023 for each benefit period. You will also be responsible for 20% of doctor’s fees inside the hospital.
Medicare considers you a hospital inpatient covered by Part A when you are formally admitted to the hospital with a doctor’s order.
Medicare Part B Coverage for Mastectomy
Medicare Part B will cover your mastectomy if it takes place on an outpatient basis.
- Same-day outpatient surgery
- Doctor and other health care provider's services
- Lab tests billed by the hospital
- X-rays and other radiology services billed by the hospital
- Medical supplies
- Anesthesia services
- Certain drugs administered in these settings, such as drugs given through an IV
Part B also covers durable medical equipment and supplies you may need after surgery, such as mastectomy bras and breast prostheses. You will owe 20% of the cost for these items as well.
Research shows that many mastectomy procedures are shifting to an outpatient setting.
In 2003, about 22% of mastectomies across 17 states were performed in a hospital outpatient setting.
By 2012, that number increased to 42%t, according to a study from the federal Agency for Healthcare Research and Quality.
Between October 2017 and August 2019, 64% of mastectomies took place on an outpatient basis, according to a 2021 research paper by the American College of Surgeons.
Following surgery, you will likely receive prescriptions for pain medication and possibly an antibiotic.
You may receive prescription drug coverage through a standalone Medicare Part D plan or through a Medicare Advantage plan with prescription drug coverage.
Copayments for medications are based on each plan’s drug tier formulary. Check with your plan provider if you have questions about cost.
Breast Reconstruction Surgery
Medicare covers breast reconstruction surgery following the removal of a breast.
Breast reconstruction can take place at the same time as your mastectomy or during a second operation later. More than one surgery is often required.
The Women’s Health and Cancer Rights Act of 1998 provides protection to patients who opt for breast reconstruction following a mastectomy.
- All stages of breast reconstruction of the breast where the mastectomy was performed
- Surgery and reconstruction of the other breast to produce a symmetrical appearance
- Treatment of physical complications from the mastectomy, including lymphedema
How much you pay for reconstructive surgery depends on where the surgery takes place.
Part A covers reconstruction surgery if it takes place at an inpatient hospital. You Part A deductible applies.
If the surgery takes place in an outpatient setting, it is covered by Part B. As with the mastectomy surgery, you will owe 20% of all costs for the surgery, along with 20% for doctor services and any separately billed items.
You may owe less for your reconstructive surgery if you have supplement insurance, such as Medicaid or a Medigap policy.
What Do I Need Post-Mastectomy?
There are several products you may want or need following your mastectomy. Not all items are covered by Medicare.
- Silicone breast prostheses (also called breast forms)
- Non-silicone breast prostheses
- Mastectomy bras
- Post-surgical soft form camisoles
Medicare likely won’t cover other items, such as mastectomy pillows, mastectomy blouses or swimsuits.
Manufacturers make a wide selection of types, shapes, sizes and colors for post-mastectomy products.
Check with the retailer to see if they accept Medicare.
External Breast Prosthesis
A breast prosthesis, or breast form, is an artificial breast used after a mastectomy. A prosthesis can be worn against the skin, inside the pocket of a mastectomy bra or attached to the chest wall.
Medicare will cover one breast prosthesis per side for the life of the prosthesis.
The useful life for silicone breast prostheses is two years, while the useful life for fabric, foam or fiber filled breast prostheses is six months.
You can order a new external breast prosthesis sooner if your original prosthesis is lost or damaged.
Currently, Medicare does not cover custom breast prostheses.
A new external breast prosthesis of a different type is covered only if a change in your medical condition makes it necessary to use a different item.
Breast prostheses are covered under Medicare Part B. You will owe 20% of the cost, and Medicare pays the other 80%.
Mastectomy Bras and Camisoles
Both mastectomy bras and camisoles are covered by Medicare.
Mastectomy bras resemble regular bras but include inside spandex stretch pockets to hold and keep your breast prosthesis in place.
Soft form camisoles include a removable breast form that fits into the camisole garment. A post-surgical camisole is often worn immediately following a mastectomy or reconstruction breast surgery.
You can purchase mastectomy bras and camisoles online, at specialty shops or at mastectomy boutiques.
Some retailers have customer service representatives who can contact Medicare directly and file a claim on your behalf.
You must get a prescription or written order from your doctor before Medicare will cover these items.
Medicare doesn’t specify a limit on the quantity of bras or camisoles it will cover. Instead, your doctor will determine what is reasonable and necessary on a case-by-case basis.
Mastectomy bras and camisoles are covered under Medicare Part B. You will owe 20% of the cost for each item.
Does Medicare Cover Genetic Testing for Breast Cancer?
Medicare covers genetic testing for people diagnosed with breast cancer who meet certain criteria.
Several variants of breast cancer exist, and some variants are inherited. The most common cause of hereditary breast cancer is an inherited mutation in the BRCA1 or BRCA2 gene.
In 2020, the U.S. Centers for Medicare & Medicaid Services began covering next generation sequencing, or NGS tests. This multigene panel can detect several types of genetic alterations at the same time.
Genetic testing can help your doctor identify more tailored treatment options.
- Breast or ovarian cancer
- A clinical indication for inherited testing for hereditary breast or ovarian cancer
- A risk factor for inherited breast or ovarian cancer
- Not been previously tested using NGS for the same cancer and genetic content
About 5% to 10% of breast cancer cases are thought to be hereditary, according to the American Cancer Society.
Medicare Guidelines for Prophylactic Mastectomy
Original Medicare generally doesn’t cover prophylactic, or preventative, mastectomies.
Some patients with a high risk for inherited breast cancer may elect to undergo this procedure because it can greatly reduce their chances of developing breast cancer.
Some Medicare Advantage plans may cover prophylactic mastectomies.
For example, Paramount Medicare Advantage HMO and PPO plans may cover this surgery if you meet certain criteria and the procedure is approved by your doctor. Paramount plans are available only in Ohio and cover about 237,000 members.
If you have a Medicare Advantage plan, check with your plan provider to see if preventative mastectomies are covered.
Choosing to undergo a prophylactic mastectomy is a major decision. Experts recommend working with a team of health professionals — including a genetic counselor — to get a complete evaluation of your risk and explore all your options.
Out-of-Pocket Costs for Mastectomy
Without insurance, estimates for mastectomies range between $13,000 and $21,177.
The American Society of Plastic Surgeons does not report average surgeon’s fees for breast reconstruction following a mastectomy. Some estimates put the average cost of reconstruction between $5,000 to $8,000.
- Where the surgery takes place
- The type of surgery performed
- Whether the surgeon, doctor or hospital accepts Medicare
- If you have any supplement insurance, such as Medicaid or a Medigap policy
For example, if you opt to undergo a mastectomy as an outpatient, your procedure will be covered by Medicare Part B.
Without supplement insurance, you will owe 20% of the outpatient surgery cost, along with 20% for any doctor fees, hospital facility fees, anesthesia fees and medical tests.
According to Medicare.gov, the 20% copayment for a single outpatient service can’t exceed the inpatient hospital deductible. However, your total copayment for all outpatient services may be more than the inpatient hospital deductible.
In contrast, if you undergo a mastectomy as a hospital inpatient, the procedure is covered by Medicare Part A.
You would need to meet the current $1,600 Part A deductible along with 20% of doctor’s fees. After that, all hospital costs are covered for up to 60 days.
It’s important to remember that if you require other unexpected services, your out-of-pocket costs may be higher.
Unfortunately, the financial burden of medical costs can create real problems for cancer patients.
According to a 2019 research study published in the Journal of Oncology Practice, a third of participants reported higher-than-expected costs for their breast cancer care.
The financial burden was most significant among women who underwent a double mastectomy — the most intensive surgery option.
Women with annual household incomes of $45,000 or less reported that their surgical choice was influenced more by cost than by the physical effects of different types of surgery.
Despite financial concerns, just 22% of patients in the study said they discussed the cost of care with their medical team prior to surgery.
It can be difficult to calculate the exact costs of a surgery in advance because your doctor can’t predict the extent of the services you’ll need. For example, if you experience complications during surgery, your costs could be higher than someone without complications.
To minimize surprises, experts recommend talking about the price of different treatment options early and often with your medical team.
More than 100,000 women in the United States undergo some form of mastectomy each year, according to Brigham and Women’s Hospital.
Less than half of all women who required a mastectomy were offered breast reconstruction surgery in 2017, according to the American Society of Plastic Surgeons. Fewer than 20% elected to undergo immediate reconstruction.
Most women with small unilateral breast cancer are candidates for breast conserving surgery, yet one-third elect to undergo a mastectomy, according to the authors of a recent study published in the Journal of Surgical Research, who recommended “increasing patient-facing education pertaining to the risks associated with CPM” to discourage unnecessary surgery.
Breast cancer is the second most common cancer in American women after skin cancers. It’s estimated that 1 in 8 women will develop the disease during their lifetime.
Since 2007, breast cancer death rates among women over age 50 have continued to decrease, according to the American Cancer Society.
30 Cited Research Articles
- U.S. Centers for Medicare & Medicaid Services. (2022, September 27). 2023 Medicare Parts A & B Premiums and Deductibles 2023 Medicare Part D Income-Related Monthly Adjustment Amounts. Retrieved from https://www.cms.gov/newsroom/fact-sheets/2023-medicare-parts-b-premiums-and-deductibles-2023-medicare-part-d-income-related-monthly
- American Cancer Society. (2021, May 7). How Common is Breast Cancer? Retrieved from https://www.cancer.org/cancer/breast-cancer/about/how-common-is-breast-cancer.html
- United Healthcare. (2021, April 20). Breast Reconstruction Following Mastectomy. Retrieved from https://www.uhcprovider.com/content/dam/provider/docs/public/policies/medadv-coverage-sum/breast-reconstruction-following-mastectomy-macs.pdf
- United Healthcare. (2021, April 14). BRCA1 and BRCA2 Genetic Testing. Retrieved from https://www.uhcprovider.com/content/dam/provider/docs/public/policies/medadv-guidelines/b/brca1-brca2-genetic-testing.pdf
- Baskin, A. S., Wang, T., Bredbeck, B. C. et al. (2021, February 3). Trends in Contralateral Prophylactic Mastectomy Utilization for Small Unilateral Breast Cancer. Retrieved from https://www.journalofsurgicalresearch.com/article/S0022-4804(21)00017-2/fulltext
- Mayo Clinic. (2021, January 8). Preventive (prophylactic) mastectomy: Surgery to reduce breast cancer risk. Retrieved from https://www.mayoclinic.org/tests-procedures/mastectomy/in-depth/prophylactic-mastectomy/art-20047221
- Vuong, B., Dusendang, J. R., Chang, S. B. et al. (2021, January). Outpatient Mastectomy: Factors Influencing Patient Selection and Predictors of Return to Care. Retrieved from https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7532421/
- U.S. Centers for Medicare & Medicaid Services. (2020, January 27). Decision Memo for Next Generation Sequencing (NGS) for Medicare Beneficiaries with Advanced Cancer (CAG-00450R). Retrieved from https://www.cms.gov/medicare-coverage-database/view/ncacal-decision-memo.aspx?proposed=N&NCAId=296
- Inserro, A. and Caffrey, M. (2020, January 27). CMS Agrees to Cover NGS for Medicare Patients With Breast, Ovarian, Other Cancers. Retrieved from https://www.ajmc.com/view/cms-agrees-to-cover-ngs-for-medicare-patients-with-breast-ovarian-other-cancers
- Mayo Clinic. (2019, October 8). Mastectomy. Retrieved from https://www.mayoclinic.org/tests-procedures/mastectomy/about/pac-20394670
- American Cancer Society. (2019, September 18). Mastectomy. Retrieved from https://www.cancer.org/cancer/breast-cancer/treatment/surgery-for-breast-cancer/mastectomy.html
- American Cancer Society. (2019, September 10). Breast Cancer Risk Factors You Cannot Change. Retrieved from https://www.cancer.org/cancer/breast-cancer/risk-and-prevention/breast-cancer-risk-factors-you-cannot-change.html
- National Cancer Institute. (2019, September 6). For Some Women with Breast Cancer, Cost Influences Decisions about Surgery. Retrieved from https://www.cancer.gov/news-events/cancer-currents-blog/2019/breast-cancer-surgery-cost-decisions
- U.S. Centers for Medicare & Medicaid Services. (2019, July). Learning What Medicare Covers & How Much You Pay. Retrieved from https://www.medicare.gov/Pubs/pdf/11472-Learn-What-Medicare-Covers.pdf
- Liu, D. (2017, March 14). New plastic surgery statistics and breast reconstruction trends. Retrieved from https://www.plasticsurgery.org/news/blog/new-plastic-surgery-statistics-and-breast-reconstruction-trends
- Paramount Health Care. (2016, March 3). Prophylactic Mastectomy. Retrieved from https://www.paramounthealthcare.com/assets/documents/medicalpolicy/PG0251_Prophylactic_Mastectomy.pdf
- Steiner, C. A., Weiss, A. J., Marguerite B. L. et al. (2016, March). Trends in Bilateral and Unilateral Mastectomies in Hospital Inpatient and Ambulatory Settings, 2005-2013. Retrieved from https://www.hcup-us.ahrq.gov/reports/statbriefs/sb201-Mastectomies-Inpatient-Outpatient.jsp
- Appleby, J. (2016, February 22). More Women Are Having Mastectomies And Going Home The Same Day. Retrieved from https://www.npr.org/sections/health-shots/2016/02/22/467644987/more-women-are-having-mastectomies-and-going-home-that-day
- American Society of Plastic Surgeons. (n.d.). Breast Reconstruction. Retrieved from https://www.plasticsurgery.org/reconstructive-procedures/breast-reconstruction/cost
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