Someone's in the hospital or seriously ill
Can I ask for a second opinion?
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Yes. You can ask for a second opinion about surgery, a serious diagnosis or a treatment plan. Medicare covers one before non-emergency surgery, and many plans cover them too, though some need a referral or approval first.
What to do
- Tell your doctor you'd like a second opinion. Many doctors expect it and can suggest a name.
- Ask your plan whether you need a referral or prior authorization (plan approval before care), and whether the second doctor is in network.
- Ask for copies of your test results and imaging to bring. Under HIPAA, the federal privacy law, you have a right to them, though a small fee may apply.
- Write down your questions, bring someone with you, and if the opinions differ, ask each doctor to explain why.
What to say
I'd like a second opinion before we decide. Can you send my records to another specialist, or tell me whom you would recommend?
Say it plainly. A good doctor will not take offense.
What to watch out for
This is a sensitive stepSmall details here can change the outcome, and some mistakes are hard to undo. We highly recommend a free 15-minute call with us before you decide.
Putting it off so you don't upset the doctor. Asking is normal, and a good doctor expects it.
Better done together
We’re here to help
Asking for a second opinion can feel awkward, but it is your right. We help you work out how to ask, what your plan covers, and which records to bring, so the second doctor has the full picture.
Every situation is different, and these are sensitive moments, so we look at yours with care. We often see what others miss, and we never take commissions from insurance companies: the only thing we are working for is what is right for you.
Free · 15 minutes · No pressure
The rule behind it
Medicare Part B covers a second opinion before medically necessary surgery that is not an emergency, and a third opinion if the first two differ; you pay 20% after the Part B deductible. Private and Medicare Advantage plans set their own rules, and many require an in-network doctor or a referral. Under HIPAA, you have a right to a copy of your records.
Sources
- Medicare.gov — Second surgical opinions
- 45 CFR 164.524 — HIPAA right of access to your records
- Medicare.gov — Understanding Your Medicare Advantage Plan's Provider Network
- Your plan's Evidence of Coverage
Amanda Alcodia
Education, not medical, legal or insurance advice.
Useful next steps
Start with the free Kit. If your situation needs a person, the intro call is free too.