How to Check Your Medicare Account Online at Medicare.gov

Medicare.gov now has a free online account that lets you see your coverage details, check recent claims, and download your Medicare Summary Notice — all from your computer or phone, at any time, without calling 1-800-MEDICARE.

This guide walks through creating your account, what you can find once you are logged in, and how to spot potential billing errors or fraud.

---

Why create a Medicare.gov account?

Before online accounts, the only way to check your Medicare information was to wait for paper mail or call the Medicare helpline (which can involve long hold times). With an online account, you can:

• See whether a doctor, hospital, or clinic accepts Medicare before you make an appointment
• Check whether Medicare received a claim from your doctor and how much was paid
• Track how much of your annual deductible you have met so far
• Download or print your Medicare Summary Notice (MSN) — the official statement of what Medicare paid on your behalf
• Check whether you have Medicare Part A, Part B, or a Medicare Advantage plan
• Report potential Medicare fraud in minutes

The account is completely free and run by the federal government. You will never be asked to pay to access your own Medicare information.

---

What you need before you start

• Your **Medicare number** — the red, white, and blue Medicare card in your wallet shows this 11-character number (example: 1EG4-TE5-MK72)
• Your **Social Security number**
• Your **date of birth** and **home address**
• An **email address** you can check for a verification code
• If you already have a Login.gov or ID.me account, you can use those to log in instead

---

Step 1 — Go to Medicare.gov and click "Log in"

Open your web browser (Chrome, Safari, Edge, or Firefox all work). Type **medicare.gov** in the address bar and press Enter. Make sure the address bar shows a padlock icon and begins with **https://** — that confirms you are on the real government website, not a copycat.

At the top of the page, click or tap the **"Log in to Medicare"** button.

---

Step 2 — Create your account

If you do not already have a Medicare account, click **"Create an account."** You will be directed to create a Login.gov account, which is the secure login system the federal government uses for Social Security, Medicare, VA benefits, and other agencies.

On the Login.gov page: - Enter your email address and create a password (at least 12 characters) - Check your email for a verification code, then enter it to confirm your address - Set up two-step authentication. You will enter a code sent by text or phone call each time you log in (this protects your account from anyone else accessing it)

After setting up Login.gov, return to Medicare.gov and log in with your new credentials.

---

Step 3 — Verify your identity with your Medicare information

The first time you log in, Medicare.gov will ask you to verify your identity. Have your Medicare card handy. You will be asked to enter: - Your Medicare number (from your card) - Your Social Security number - Your date of birth - Your address as Medicare has it on file

This one-time step connects your Login.gov account to your Medicare records.

---

Step 4 — Explore your Medicare account

Once logged in, your account dashboard shows several sections.

My Coverage

This section shows your current Medicare coverage — whether you have Part A (hospital insurance), Part B (medical insurance), or a Medicare Advantage plan (Part C). It shows the date your coverage started and your current premium amounts.

Claims

This is one of the most useful features. The Claims section shows every medical claim submitted to Medicare in the last 36 months. For each claim, you can see: - The date of service - The name of the doctor, clinic, or supplier - The amount billed - The amount Medicare approved - The amount Medicare paid - What you may owe (your share, which is usually 20% of the approved amount after meeting your deductible)

Review this list and look for any services you do not recognize. An unfamiliar charge from a provider you never visited could show billing fraud or a billing error.

Deductible Status

Medicare Part B has an annual deductible ($257 in 2026). This section shows how much of your deductible you have already met for the current year.

Medicare Summary Notice (MSN)

The MSN is a detailed statement that Medicare mails to you every three months when claims have been processed. You can also download your MSN directly from your online account at any time in PDF format. This is useful when you want to review charges or share your Medicare information with a financial advisor or family member.

---

Step 5 — Find doctors and hospitals that accept Medicare

From the Medicare.gov homepage (you do not need to be logged in for this), click **"Find care."** This is the Care Compare tool. You can search for: - Doctors and clinicians who accept Medicare in your ZIP code - Hospitals, nursing homes, home health agencies, and dialysis centers - Quality ratings for hospitals and facilities

Searching "accepts Medicare" before scheduling an appointment can prevent surprise bills. A provider who does not accept Medicare assignment may charge you more than the standard Medicare amount.

---

Step 6 — Report potential fraud

If you see a claim in your account for a service you never received, a medical supply you never ordered, or a provider you never visited, report it.

From your Medicare account, click **"Report fraud"** or call **1-800-HHS-TIPS (1-800-447-8477)**. You can also contact your State Health Insurance Help Program (SHIP) — a free, unbiased counseling service available in every state. To find your local SHIP, go to **shiphelp.org**.

---

A note on phone calls and emails about your Medicare account

Medicare will never call you to ask for your Medicare number, Social Security number, or bank account information. If you receive a call from someone claiming to be from Medicare and asking for that information, hang up — it is a scam. Medicare communicates with you primarily by mail and through your official Medicare.gov account.