From retirement calculators to free tax assistance, AARP has the member benefits you need. Explore today.
En español | The vast majority of doctors choose to participate in Medicare, but some do opt out. Opted-out doctors cannot bill Medicare for treating you, and you cannot claim recompense from Medicare either, so you end up paying the full cost of whatever the doctor charges.
If you go to a doctor who’s opted out, he or she should ask you to sign a form, which is essentially a private contract between the two of you, in which you agree to pay the entire bill out of your own pocket.
However, if an opted-out doctor does not get you to sign this agreement or if you’re in no position to sign one — for example, if you’re unconscious in the emergency room — you are not responsible for paying the bill.
Return to Medicare Q&A Tool main page >>
Enter address, city, state, or ZIP code.
Driver Safety (0)
Tax Aide (0)
Entertainment & Dining (0)
Healthcare & Insurance (0)
Financial Services & Insurance (0)
Member Local Offers (0)
Visit the AARP state page for information about events, news and resources near you.
You are leaving AARP.org and going to the website of our trusted provider. The provider’s terms, conditions and policies apply. Please return to AARP.org to learn more about other benefits.
Your email address is now confirmed.
Manage your email preferences and tell us which topics interest you so that we can prioritize the information you receive.
Explore all that AARP has to offer.
In the next 24 hours, you will receive an email to confirm your subscription to receive emails
related to AARP volunteering. Once you confirm that subscription, you will regularly
receive communications related to AARP volunteering. In the meantime, please feel free
to search for ways to make a difference in your community at