Yes, Mayo Clinic accepts Medicare at all three of its major campuses and affiliated locations

Mayo Clinic is an in-network provider for Original Medicare (Part A and Part B) at its main locations in Rochester, Minnesota; Jacksonville, Florida; and Phoenix, Arizona. This means Medicare will cover your care there the same way it covers care at other in-network hospitals and clinics — you pay your deductible and coinsurance, and Medicare covers the rest of the allowed amount.

If you have a Medicare Advantage plan (Part C), whether Mayo is in your network depends on which specific plan you chose. Some Medicare Advantage plans include Mayo, and some do not. You need to check your plan documents or call your plan's customer service number to know for certain before you schedule an appointment.

Mayo also accepts Medicare for telehealth visits and remote consultations, which means you can see a Mayo provider from home if your plan covers that service.

Key Takeaways

  • Original Medicare (Part A and Part B) is accepted at Mayo Clinic's Rochester, Jacksonville, and Phoenix campuses and their affiliated clinics.
  • Medicare Advantage plans vary — some include Mayo in their network and some do not, so you must check your specific plan before scheduling.
  • You will owe your deductible and coinsurance at Mayo just as you would at any other in-network provider.
  • Mayo's affiliated clinics and hospitals in other states may have different Medicare acceptance, so confirm coverage if you are seeking care outside the three main campuses.

How to confirm Mayo is in your Medicare plan's network

The fastest way is to call your Medicare Advantage plan directly. The customer service number is on the back of your insurance card. Tell them you want to see a provider at Mayo Clinic and ask whether that location is in-network. They can tell you in minutes and will also tell you what your out-of-pocket costs would be.

If you have Original Medicare, you do not need to check — Mayo is in-network everywhere it operates. You can schedule an appointment directly by calling Mayo's appointment line or using their online scheduling system.

If you are looking at a Mayo location outside the three main campuses — such as Mayo Health System clinics in the Midwest or Southwest — ask the specific clinic whether they accept Medicare. Smaller affiliated locations sometimes have different arrangements.

What you will pay at Mayo with Medicare

With Original Medicare, you pay the same thing you would pay at any other in-network hospital or clinic: your Part B deductible (if you have not met it yet that year), then 20 percent coinsurance for most services. Some preventive services are covered at no cost to you.

With a Medicare Advantage plan, your costs depend on your plan's structure. You might have a copay per visit, coinsurance, or a deductible. Your plan documents or customer service line will tell you the exact amount before you go in.

Mayo will also bill your secondary insurance (if you have it) after Medicare pays its share. Make sure to bring your Medicare card and any other insurance cards to your appointment.

Scheduling an appointment at Mayo with Medicare

Call Mayo Clinic's appointment line at 1-800-66-MAYO (1-800-666-2296) and tell them you have Medicare. They will ask which campus you prefer and what type of care you need. Have your Medicare card ready so they can verify your coverage while you are on the phone.

You can also schedule online through Mayo's website if you have an existing patient account. When you create an account, you will enter your insurance information, and the system will show you available appointments and any out-of-pocket costs.

If you are a new patient, Mayo may ask you to complete a health history form before your first visit. This can usually be done online ahead of time, which speeds up your appointment day.

Medicare coverage for Mayo telehealth visits

Original Medicare covers telehealth visits with Mayo providers, and you pay the same coinsurance (20 percent) as you would for an in-person visit. You do not need to live in Minnesota, Florida, or Arizona to use Mayo's telehealth services — you can be anywhere in the United States.

Medicare Advantage plans also cover telehealth with Mayo if Mayo is in your network, though some plans may charge a different copay for a virtual visit than for an in-person one. Check your plan documents or call your plan to confirm the copay amount.

You will need a device with internet access (computer, tablet, or smartphone) and a private space where you can talk to your provider. Mayo will send you a link to join the video visit a few minutes before your appointment time.

What to do if Mayo is not in your Medicare Advantage plan

If your Medicare Advantage plan does not include Mayo, you have a few options. You can ask your plan whether they will cover an out-of-network visit to Mayo — some plans do, but you will pay a higher coinsurance or copay. Call your plan to ask what the out-of-network cost would be.

You can also switch to Original Medicare during the annual open enrollment period (October 15 to December 7 each year) or during a special enrollment period if you have a may have access to life event. Once you are on Original Medicare, Mayo is automatically in-network.

If you need urgent or emergency care at Mayo and your plan does not cover it, Medicare will step in and cover the emergency portion, even if Mayo is out-of-network. This does not explore to routine or planned care.

Bringing your Medicare information to your Mayo appointment

Bring your Medicare card, any secondary insurance cards, a photo ID, and a list of all medications you are currently taking. If you have a Medicare Advantage plan, bring that card too — Mayo will need to verify both your Medicare number and your plan information.

If you have not visited Mayo before, arrive 10 to 15 minutes early to check in. The front desk will scan your insurance cards and may ask you to update your contact information and emergency contact.

If you are having trouble with your insurance at the appointment, ask to speak with Mayo's patient financial services team. They can often resolve billing questions on the spot or help you understand what you owe.

Frequently Asked Questions

Does Mayo Clinic accept Medicare Supplement insurance?

Yes. If you have Original Medicare plus a Medigap (Medicare Supplement) policy, Mayo accepts both. Your Medigap policy will pay some or all of the coinsurance and deductible that Original Medicare does not cover, depending on which Medigap plan you have. Bring both cards to your appointment.

Can I see a Mayo doctor if I live far away?

Yes, through telehealth. Medicare covers virtual visits with Mayo providers, and you do not have to live near one of the three main campuses. You can also travel to Rochester, Jacksonville, or Phoenix for in-person care, and Medicare will cover it the same way it would at home.

What if I get a bill from Mayo that seems wrong?

Call Mayo's patient financial services department and ask them to review the bill. Bring your Medicare explanation of benefits (EOB) from Medicare, which shows what Medicare paid and what you owe. Mayo can often correct billing errors or set up a payment plan if you cannot pay the full amount at once.

Does Mayo accept Medicare for all types of care?

Mayo accepts Medicare for most hospital care, clinic visits, surgery, and diagnostic tests. Some specialized services or experimental treatments may have different coverage rules. Ask your Mayo provider or the scheduling team whether your specific procedure or visit is covered under Medicare before your appointment.

Can I use my Medicare to see a Mayo provider at a clinic outside the main campuses?

It depends on the location. The three main campuses (Rochester, Jacksonville, Phoenix) definitely accept Medicare. Smaller Mayo Health System clinics in other states may accept Medicare, but you should call ahead to confirm. Not all affiliated locations have the same insurance agreements.