Many people put off vaccines because they worry about the cost. The good news is that if you have Medicare or Medicaid, most recommended vaccines are available at no cost to you. No copays. No deductibles. No surprise bills.
Here’s how it works and which vaccines are covered.
Why Vaccines Matter at Any Age
Vaccines aren’t just for kids. As we get older or manage chronic conditions, our immune systems can weaken. Vaccines help prevent serious illness, hospital stays, and long recovery times.
For older adults and people with limited income, free access can make a real difference.
Free Vaccines With Medicare
Medicare covers vaccines in two main ways: Part B and Part D.
Medicare Part B Vaccines
These vaccines are always free when you use a provider that accepts Medicare:
Flu (influenza) vaccine
COVID-19 vaccines and boosters
Pneumococcal (pneumonia) vaccines
Hepatitis B vaccine for people at higher risk
You pay nothing for these. No copay, no deductible.
Medicare Part D Vaccines
Since recent changes to Medicare drug coverage, most vaccines recommended for adults are also free under Part D. This includes vaccines like:
Shingles (Shingrix)
Tdap (tetanus, diphtheria, pertussis)
RSV (respiratory syncytial virus)
As long as the vaccine is recommended by national health guidelines, your Part D plan should cover it at no cost.
Free Vaccines With Medicaid
Medicaid covers vaccines for both children and adults, though exact benefits can vary by state.
Children and Teens
All children enrolled in Medicaid can receive vaccines at no cost through the Vaccines for Children (VFC) program. This includes all routine childhood vaccines.
Adults on Medicaid
Most states cover recommended adult vaccines with no cost sharing. That means no copays or fees when you get vaccinated through an in-network provider.
Commonly covered vaccines include flu, COVID-19, shingles, and tetanus.
If you’re unsure what your state covers, your local Medicaid office or pharmacy can confirm.
Where You Can Get These Vaccines
You don’t need a special clinic. Free vaccines are available at:
Doctor’s offices
Pharmacies
Health departments
Community health clinics
Always bring your Medicare or Medicaid card with you.
How to Make Sure You Don’t Get Charged
To avoid unexpected costs:
Use providers that accept Medicare or Medicaid
Ask if the vaccine is covered before you get it
Make sure the provider bills your insurance correctly
If you’re ever charged by mistake, you can request a correction.
The Bottom Line
If you have Medicare or Medicaid, cost should not stop you from getting vaccinated. Most adult and childhood vaccines are free, widely available, and easy to access.
Staying up to date protects your health and helps keep your community safer too.