Does Original Medicare cover funeral costs?

Does Original Medicare cover funeral costs?

Funerals and burial expenses are not covered by Original Medicare. This is also the case for beneficiaries enrolled in a Medicare Medical Savings Account plan. Funeral or bereavement expenses are not considered to be medical expenses and so won't be covered by a Medical Savings Account plan.

Survivor Benefits

The Social Security Administration does pay survivor benefits, which can be used to pay for funeral costs. This death benefit is a one-time payment to the survivor of the beneficiary - the spouse or child. Eligibility and benefit amounts are determined by the length of time an individual worked and paid into Social Security taxes.

Reporting a Medicare Beneficiary's Death

Family members of Medicare beneficiaries need to report the death of the beneficiary to Medicare. You can do so by contacting Social Security at 1-800-772-1213, Monday-Friday from 7:00 am - 7:00 pm. TTY users can call 1-800-325-0778
If the beneficiary worked for a railroad, contact the Railroad Retirement Board to report the death at 1-877-772-5772, Monday through Friday, from 9:00 am - 3:30 pm. TTY users can call 1-312-751-4701.
If the beneficiary was enrolled in a Medicare plan from a Medicare-approved private insurer, the beneficiary will be disenrolled the first day of the month following the month of death. These plans include Medicare Advantage, Medicare Prescription Drug Plan and Centers for Medicare & Medicaid Services.

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Does Original Medicare cover funeral costs?