Introduction
Shingles is an infection caused by the varicella zoster virus, which is the same virus that causes chickenpox. Though it can affect anyone, it’s more common in people over 50, as well as those with weakened immune systems due to medications or illnesses. The most effective way to protect yourself from shingles is to get vaccinated. But does Medicare cover shingles shots?
Overview of Shingles Shots and Medicare Coverage
The good news is that Medicare Part D plans, Medicare Advantage plans, and some Medicare Supplement plans cover shingles vaccines. However, not all Medicare plans cover this type of vaccine, so it’s important to check with your insurance provider to find out if your plan covers shingles shots.
Benefits of Shingles Shots
Getting a shingles vaccine has many benefits. According to the Centers for Disease Control and Prevention (CDC), the shingles vaccine can prevent up to 97% of cases of shingles. It can also reduce the severity of symptoms in those who do develop shingles. Additionally, the CDC reports that the shingles vaccine can reduce the risk of post-herpetic neuralgia, a condition that can cause long-term pain after shingles.
Comparing Costs of Shingles Shots With and Without Medicare Coverage
The cost of a shingles shot varies depending on where you get it, but generally it costs between $150 and $200. If you have Medicare coverage, the cost may be lower. Here’s what you need to know about the cost of a shingles shot with and without Medicare coverage.
Out-of-Pocket Costs for Shingles Shots With Medicare
If your Medicare plan covers shingles vaccines, you may be eligible for a reduced out-of-pocket cost. Generally, you’ll pay a co-pay or coinsurance of 20% or less of the cost of the vaccine. You may also be responsible for any additional fees charged by the doctor or pharmacy, such as an administration fee.
Out-of-Pocket Costs for Shingles Shots Without Medicare
If you don’t have Medicare coverage, you’ll likely have to pay the full cost of the shingles shot. Some pharmacies and doctor’s offices may offer discounts or payment plans, so it’s a good idea to shop around to find the best deal. Additionally, some states offer free or low-cost shingles vaccinations for uninsured or underinsured individuals.
What to Know About Getting a Shingles Vaccine When You Have Medicare
If you have Medicare coverage and are considering getting a shingles shot, there are a few things you should know. Here’s what you need to know about getting a shingles vaccine when you have Medicare.
Types of Shingles Shots Covered by Medicare
Medicare covers two types of shingles vaccines: Zostavax and Shingrix. Zostavax is an older vaccine that is given in one dose, while Shingrix is a newer vaccine that is given in two doses. Medicare will cover either vaccine, but your doctor may recommend one over the other based on your health history.
How to Find Out Whether Your Medicare Plan Covers Shingles Shots
When you enroll in a Medicare plan, it’s important to check the details of your coverage to make sure it includes shingles shots. Most plans will list the services they cover, so you can easily find out whether your plan covers shingles shots. If you’re unsure, you can always call your insurance provider for more information.
Conclusion
Getting a shingles shot is the best way to protect yourself from the virus and its complications. Fortunately, many Medicare plans cover shingles shots, which can reduce the out-of-pocket cost. It’s important to research your Medicare plan to determine whether it covers shingles shots, as well as which type of vaccine your plan covers. By researching your Medicare plan and getting vaccinated, you can take an important step in protecting your health.
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