Answer
Does Medicare cover second opinions for cancer?
Yes. Original Medicare covers a second opinion before surgery or a major cancer treatment decision. If the first and second opinions differ, Medicare will also cover a third opinion. You pay the standard Part B coinsurance (typically 20%).
Last updated: 2026-07-10 · Reviewed by Cancer Answers OC Care Coordination Team
Medicare specifically covers second opinions before major non-emergency surgical procedures, which includes most cancer surgeries.
You do not need a referral on Original Medicare — call any Medicare-participating oncologist directly.
Medicare Advantage plans also cover second opinions but may require staying in-network or getting prior authorization.
Bring your pathology slides, imaging on disc, and prior treatment notes. The second-opinion oncologist can usually request records on your behalf.