Are allergy tests and shots covered by Medicare?

Does Medicare cover allergy testing and shots? The short answer is yes, but your doctor has to deem the services medically necessary. Medicare allergy testing helps you determine the cause of common symptoms of an allergic reaction, like itchy eyes or a swollen throat. When regular allergy treatments don’t work, Medicare can help pay for allergy shots.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 24, 2021

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The Rundown

  • Medicare will cover allergy tests for skin, blood, and food allergies, as long as your doctor guarantees they are necessary for your health
  • Allergy shots can be covered by Medicare if other more common treatments don’t work
  • Medicare Parts B and C will cover your allergy treatments

Anyone with allergies knows that allergic reactions are dangerous, which is why so many people wonder if allergy testing is covered by insurance.

However, allergy treatment can be confusing, especially if you don’t know what your health insurance covers. For example, is food allergy testing covered by insurance? What about allergy shots? Does Medicare cover allergy shots?

Don’t worry — finding the best treatment doesn’t have to be complicated. Medicare can help you with any treatment your doctor considers medically necessary.

So, does Medicare cover allergy testing and shots? The answer is yes, but you should shop around for insurance quotes before agreeing to any procedures. You can enter your ZIP code into our free tool to see what quotes might look like for you.

Does Medicare cover allergy testing and shots?

More than 50 million people in America have some sort of allergy. While some allergies are mild, others can be life-threatening. Allergies are the sixth most common cause of chronic illness.

With that in mind, it’s no wonder so many people ask, “are allergy tests covered by insurance?”

The good news for the millions of eligible Americans, Medicare does cover allergy shots and testing.

Medicare insurance covers procedures and services that are considered medically necessary. Since allergies can be dangerous, Medicare does pay for allergy testing, shots, and other allergy-related care.

However, some criteria have to be met for Medicare to cover your allergy testing:

  • Your doctor must request your allergy test and provide documentation proving the test is medically necessary
  • Your doctor must accept Medicare assignment
  • The test must take place in an approved facility
  • Provide proof of previous treatment, which can be provided by your doctor

You have to prove that you have tried other allergy treatments and that they have not worked. Medicare will likely cover your healthcare services as long as you meet those requirements.

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What allergy tests does Medicare cover?

The deadliest allergies in America are to insect bites, foods, and medicine. Medicare allergy testing covers all three.

The most common (and easiest to get approved) allergy testing by Medicare are:

  • Tests examining your blood for antibodies, which marks when you come in contact with an allergen.
  • Skin testing looks for an allergic reaction to things like topical drugs and skincare products, pollen, food, animal dander, and insects.
  • Reactions to food can be deadly, so a food allergy test covered by insurance looks at the most common food allergies.

While these are the most common allergy tests, Medicare will cover others as long as it is medically necessary.

When should you get an allergy test?

By the time people are adults, they usually know what they’re allergic to. However, if you experience the following symptoms, you should talk to your doctor about allergy testing:

  • Dry, irritated skin
  • Hives
  • Swelling in your face, especially of the lips, eyes, or tongue
  • Red, watery eyes that itch
  • Persistent sneezing without other signs of illness

If you experience these symptoms without knowing why, you should call your doctor immediately. Try to remember what you’ve come in contact with recently — did you try new food? Have you recently gone hiking? Are you on a new medication?

The more information you can give your doctor, the quicker you’ll get back to feeling like yourself again.

Does Medicare pay for allergy shots?

When other treatments aren’t working against your allergies, Medicare Parts B and C will cover allergy shots to relieve your symptoms.

Medicare Part B covers allergy shots in outpatient settings, such as at a clinic or your doctor’s office.

Also known as Medicare Advantage, Medicare Part C is supplemental insurance that provides more coverage than Original Medicare. Medicare Advantage plans give you more options for your allergy care.

When your doctor decides that allergy shots are medically necessary, you’ll probably get two shots every week for six months. Once your symptoms are under control, you’ll receive much fewer shots.

Medicare doesn’t have a set guideline for allergy treatments. It considers allergy tests on a case-by-case basis. However, you’ll still have to pay, at least a little. Depending on what Medicare Part you use, you’ll have to meet your deductible and coinsurance.

Get Allergy Care Through Medicare

If you’re wondering, “Does insurance cover food allergy testing?” or “Can Medicare help with allergy shots?” rest assured that you can get the help you need. Allergy tests are covered by insurance, and Medicare will cover anything medically necessary.

Does Medicare cover allergy testing and shots? Yes — and you can find the right services for you by shopping around for health insurance quotes. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.

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