Medicare Part B can cover a voluntary conversation about future care if you become unable to make decisions. Advance care planning is a discussion with your health professional; it is not a requirement to enroll in Medicare or buy insurance.
Separate the conversation from the documents
| Item | Purpose |
|---|---|
| Planning conversation | Discuss your goals, preferences and questions with a health professional. |
| Health care proxy | Identify someone you trust to make health decisions if you cannot. |
| Living will | Record wishes about future medical care. |
| State requirements | Confirm which forms, signatures or other formalities apply where you live. |
When costs may apply
When the planning is part of a covered Welcome to Medicare or yearly Wellness visit and the provider accepts assignment, you pay nothing for the planning service. When provided with other medical treatment, the Part B deductible and coinsurance generally apply. Ask how the appointment will be billed.
That medical benefit does not mean Medicare pays a lawyer to prepare every legal document. Discuss document requirements with a qualified professional or your state health department. A Wellness visit also is not a routine comprehensive physical examination.
Prepare without pressure
- Think about whom you would trust to speak for you.
- Write down questions you want the clinician to explain.
- Bring existing documents so you can discuss any changes.
- Ask how relevant instructions will be available to your care team.
- Request an interpreter or accessible explanation if needed.
You may update your wishes and documents. Tell the people involved when you do, and ask how to replace outdated copies. Do not assume a Medicare number or insurance card automatically gives a hospital access to an advance directive.
Keep decisions personal
Your clinician explains medical choices; a qualified legal professional can explain legal requirements. An insurance agent does not decide treatment preferences for you. Coverage planning should respect your values and your right to make choices without pressure or discrimination.
Related coverage questions
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- Medicare Home Health Care: Services, Eligibility and Costs