Does Mayo Clinic accept Medicare? 2026 Coverage Guide

If you’re struggling to understand Medicare, Connie can help. Ask Connie your question; a local, licensed agent will help you navigate your Medicare journey. Complete this form to have your question answered. It could be featured on Dear Connie.

Dear Connie,

I am turning 65 and retiring soon. I’ve been going to the Mayo Clinic and want to keep going there. Does the clinic accept Medicare? If so, which Medicare plan should I be on?

Many thanks,
Barbara from Surprise, Arizona

Need Help Deciding The Right Medicare Coverage For You?

• No-cost, unbiased service
• Compare all major plans and carriers
• Local, licensed insurance agents with 25+ years of combined experience

Call Now Compare Plans

Dear Barbara,

You’re smart to plan ahead for your Mayo Clinic Medicare coverage. Many people want to keep seeing their trusted doctors after they turn 65.

Mayo Clinic is one of the top hospitals in the United States, with locations in Arizona, Florida, Minnesota, Rochester, New York, and throughout the Mayo Clinic Health System. Doctors from different areas work together on your care, and the hospital is known for treating complex medical conditions. 

Does Mayo Clinic Accept Medicare?

Yes, it does accept Medicare at all its locations. However, your plan type matters.

Medicare accepted plans are:

• Original Medicare (Parts A and B)
• Medicare Part D prescription drug plans
• Medicare Supplement plans (also called Medigap)

What You Need to Visit Mayo Clinic

Doctor Referral Required

Medicare requires you to get a referral from your doctor before visiting Mayo Clinic. You may also need preauthorization (approval from Medicare) before your visit.

Medicare Part B Excess Charges

Mayo Clinic can charge up to 15% more than Medicare’s approved amount for Part B services. This is called an excess charge. For example, if Medicare approves $100 for a service, the clinic could charge $115. You pay the difference unless you have a Medicare Supplement plan that covers excess charges.

Which Plan Works Best for Your Visit?

If you want to visit the clinic regularly, a Medicare Supplement plan may be your best option.

Medicare Supplement plans work with Original Medicare. These plans help pay the costs that Original Medicare doesn’t cover:

• The Part B deductible ($283 in 2026)
• The 20% coinsurance for Part B services
• Excess charges (up to 15% above Medicare’s approved amount)

Plans F, G, and N cover excess charges. Plan G is the most popular option for new Medicare beneficiaries. 

Medicare Advantage 

Mayo Clinic does not accept most Medicare Advantage plans for routine care. They will treat emergencies only. For regular care, you need Original Medicare with a Medicare Supplement plan.

Agent tip:

“If you plan to visit Mayo Clinic, ask about Medicare Supplement Plan G. It covers excess charges so you won’t have surprise bills.”

What Services Does Medicare Cover at Mayo Clinic?

Medicare covers medically necessary services:

• Doctor visits with specialists
• Hospital stays (covered by Medicare Part A)
• Outpatient services (covered by Medicare Part B)
• Lab tests and diagnostic imaging
• Surgeries and procedures
• Physical therapy and rehabilitation

After you meet your Part B deductible, Medicare typically pays 80% of approved costs. You pay the remaining 20%, plus any excess charges.

Need help choosing Medicare coverage? Call (623) 223-8884 to speak with a licensed insurance agent for a no-cost plan review.

How Much Will Your Visit Cost?

Your costs depend on your plan.

With Original Medicare alone:

• Part B deductible ($283 in 2026)
• 20% of Medicare-approved costs
• Up to 15% excess charges

With Medicare Supplement Plan G:

• Part B deductible
• Monthly premium (typically $120-$180 in Arizona)
• Plan G covers the 20% coinsurance and excess charges

Advance Beneficiary Notice

Mayo Clinic may give you an Advance Beneficiary Notice before certain tests or procedures. This notice tells you that Medicare may not cover the service. You can choose to pay for the service yourself or decline it. This notice protects you from surprise bills.

Bottom Line

The clinic accepts Original Medicare (Parts A and B) at all locations in Arizona, Florida, Minnesota, New York, and throughout the Mayo Clinic Health System. You need a doctor’s referral to receive care, and you may be charged up to 15% above Medicare-approved amounts.

For the best coverage, I recommend enrolling in a Medicare Supplement plan that covers excess charges, like Plan F, G, or N. Plan G is the most popular option for new Medicare beneficiaries.

I hope this information helps you plan for your retirement. Everyone deserves access to quality health care at the hospitals they trust. At Connie Health, we want to help you choose the right coverage so you can live a healthier and happier life.

If you need help comparing Medicare Supplement plans, call (623) 223-8884 to speak with a licensed insurance agent about Mayo Clinic coverage options. There’s no obligation to enroll.

Need Help Deciding The Right Medicare Coverage For You?

• No-cost, unbiased service
• Compare all major plans and carriers
• Local, licensed insurance agents with 25+ years of combined experience

Call Now Compare Plans

Frequently Asked Questions

Can I use Medicare Advantage at Mayo Clinic?

No, the clinic does not accept most Medicare Advantage plans for routine care. They will treat emergencies, but you need Original Medicare with a Medicare Supplement plan for regular visits.

Which locations accept Medicare?

All Mayo Clinic locations accept Original Medicare, including hospitals in Arizona, Florida, Minnesota, and New York, as well as all Mayo Clinic Health System facilities across multiple states.

Do I need a referral to see a doctor at Mayo Clinic?

The clinic does not require referrals for most patients. However, Medicare requires you to have a doctor’s referral before receiving treatment at Mayo Clinic for coverage purposes.

What is a Medicare Part B excess charge?

An excess charge is when a doctor charges up to 15% more than Medicare’s approved amount for a service. Mayo Clinic can charge excess fees. Medicare Supplement Plans F, G, and N cover these charges.

How do I pay for Mayo Clinic with Original Medicare?

With Original Medicare, you pay the Part B deductible ($283 in 2026), then 20% of approved costs. You may also be charged up to 15% excess fees. A Medicare Supplement plan can help cover these costs.