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How Much Does a Pacemaker Cost with Medicare?

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By Daniel Petkevich
Nov 21, 2022

You could save thousands of dollars with the right plan

Your choice of Medicare plan will considerably impact the cost of your healthcare. A pacemaker can be a costly necessity for beneficiaries who need heart help. The cost can range from $19,000 to $96,000 for a pacemaker. If you are on a Medicare Supplement Plan G, you could save tens of thousands of dollars on a pacemaker. With just Original Medicare, you might get stuck paying 20% of that total out-of-pocket.

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What is a pacemaker?

A pacemaker is a small, electronic device that is placed in the chest to help regulate your heartbeat. It is typically used for patients who have abnormally slow heart rhythms or arrhythmias. This device sends electric pulses to the heart muscle and helps it beat regularly.

How much do pacemakers cost?

The cost of a pacemaker can vary significantly, depending on the type and complexity of the device. Pacemakers typically range from $19,000 to $96,000. The cost will also include implantation fees, X-rays, or other imaging tests that might be necessary before and after the procedure, as well as follow-up visits and any adjustments that need to be made.

Medicare coverage for pacemakers

If you have Original Medicare, your coverage will depend on whether or not the device and procedure are considered medically necessary. If they are covered by Medicare, then you may be eligible to receive 80% of the approved amount after you meet your Part B deductible of $226.
If you have Medicare Advantage, you might need to pay specialist copay for this procedure. It is unlikely that you will meet your out-of-pocket maximum for one procedure. You might also get more specialized coverage. Check with your plan provider to get specific details about how your plan might cover a pacemaker.
Medicare Supplement Plan G is the best option to limit out-of-pocket costs for a pacemaker.

Medicare Supplement Plan G can help you reduce costs

If you are enrolled in Medicare Supplement Plan G, you have the most coverage against out-of-pocket costs. With Original Medicare, you will be able to receive coverage for up to 80% of the charges associated with the pacemaker, meaning you may only pay 20% out-of-pocket. That means you can pay up to $19,200 for a pacemaker. But with Plan G, this 20% is covered, and you only have to worry about your Part B deductible. This plan can help you save thousands of dollars on your medical bills.

How to save money on a pacemaker if you have Medicare

The best way to save money on a pacemaker if you have Medicare is by enrolling in a Medicare Supplement Plan G. This plan will provide additional coverage for the cost of a pacemaker. Additionally, shopping around and comparing prices when looking for a pacemaker is important. Different providers and manufacturers may offer different prices, so it is smart to research your options. Finally, if you are having trouble affording a pacemaker, talk with your doctor about other payment options that can help make the device more affordable.
By understanding these cost-saving strategies and researching your Medicare plan options, you can help ensure that you receive the medical care you need without breaking the bank. With a bit of planning and research, you can save money on a pacemaker with Medicare.

Takeaway

If you need a pacemaker and have Medicare, it is important to understand your coverage options. Original Medicare may only cover 80% of the approved amount after you meet your deductible, leaving you responsible for the remaining 20%. Alternatively, enrolling in a Medicare Supplement Plan G can help provide additional coverage for pacemakers and reduce your out-of-pocket costs. If you are interested in Plan G or want to talk through your Medicare options, call one of our Medicare experts today at 1-888-376-2028.

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