Do All Doctors Accept Medicare? The Surprising Answer You Need to Know

If you are a Medicare beneficiary, you may wonder if you can see any doctor you want.

The answer is not so simple. Depending on what type of Medicare coverage you have and whether your doctor participates in Medicare, you may face different costs and access issues.

In this article, we will explain how Medicare works with different types of doctors and what you can do to find the best care for your needs.

Do All Doctors Accept Medicare? Find out the surprising answer and what you can do to get the best care possible with your Medicare benefits
Do All Doctors Accept Medicare? Find out the surprising answer and what you can do to get the best care possible with your Medicare benefits

What is Medicare and How Does It Work?

Medicare is a federal health insurance program for people who are 65 or older, disabled, or have certain chronic conditions. Medicare has four parts:

  • Part A covers hospital stays, skilled nursing facilities, hospice, and some home health care.
  • Part B covers doctor visits, outpatient services, preventive care, and some medical equipment and supplies.
  • Part C, also known as Medicare Advantage, is an alternative way to get your Medicare benefits through a private plan that may offer extra benefits and lower costs.
  • Part D covers prescription drugs.

You can choose to have Original Medicare (Part A and Part B) or Medicare Advantage (Part C).

If you have Original Medicare, you can also buy a Medicare Supplement (Medigap) plan to help pay for some of the out-of-pocket costs that Medicare does not cover.

You can also add a Part D plan to get drug coverage.

How Do Doctors Interact with Medicare?

Doctors can choose whether to accept Medicare patients and how much to charge them.

There are three types of doctors when it comes to Medicare:

  • Participating providers are doctors who agree to accept Medicare’s approved amount as full payment for their services. They also agree to file claims for you and not charge you more than the Medicare deductible and coinsurance. You can see any participating provider without a referral.
  • Non-participating providers are doctors who do not agree to accept Medicare’s approved amount as full payment. They can charge you up to 15% more than the Medicare approved amount, which is called an excess charge. You are responsible for paying the excess charge, unless you have a Medigap plan that covers it. You can see any non-participating provider without a referral, but you may have to pay upfront and file a claim yourself.
  • Opt-out providers are doctors who do not accept Medicare at all. They can charge you whatever they want and you have to pay the full amount yourself. You cannot use your Medicare or Medigap benefits to pay for their services. You can only see an opt-out provider if you sign a private contract that states that you understand that Medicare will not pay for your care and that you will not file a claim with Medicare.

How Can You Find Doctors Who Accept Medicare?

The easiest way to find doctors who accept Medicare is to use the Medicare Physician Compare tool on the Medicare website.

You can search by name, specialty, location, and other criteria. You can also see the quality ratings, patient feedback, and other information about the doctors.

The tool will tell you whether the doctor is a participating, non-participating, or opt-out provider.

You can also ask your current doctor if they accept Medicare or plan to do so in the future.

If they do not, you can ask them for a referral to another doctor who does.

You can also ask your friends, family, or other health care professionals for recommendations.

What Should You Consider When Choosing a Doctor?

Finding a doctor who accepts Medicare is important, but it is not the only factor to consider.

You should also look for a doctor who:

  • Has the expertise and experience to treat your condition
  • Is board-certified and has good credentials
  • Has a good reputation and reviews from other patients
  • Is affiliated with a hospital or network that you trust and prefer
  • Is convenient to your location and has flexible hours
  • Communicates well and listens to your concerns
  • Respects your preferences and values
  • Works well with your other health care providers



Medicare is a valuable benefit that can help you pay for your health care, but it does not guarantee that you can see any doctor you want.

You need to be aware of the different types of doctors who accept Medicare and how they affect your costs and access.

You also need to do your research and find a doctor who meets your needs and expectations.

By doing so, you can get the best care possible and enjoy your Medicare benefits.

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