Vaccines Medicare Covers for Free
The U.S. is experiencing an outbreak of measles and is on track to have the most whooping cough cases since 1948. These vaccines, which Medicare covers for free, can keep you safe.
Did you know that Medicare fully covers many vaccines for its beneficiaries? Well, they do. All adult vaccines recommended by the Centers for Disease Control and Prevention's (CDC) Advisory Committee on Immunization Practices are covered with no out-of-pocket costs. Your Medicare drug plan won't charge you a copayment or apply a deductible for vaccines you receive, including those for shingles, whooping cough, and tetanus.
This list of free vaccines is updated annually, so just because a particular one is on the list this year, it doesn't mean it will be on the list next year. If you are traveling outside of the country, you may want to consult the CDC's list of recommended vaccinations depending on your destination.
The CDC suggests that you make sure you are up to date with all of your routine vaccines. It also recommends that travelers get fully vaccinated against measles before visiting any international destination, as "the majority of measles cases imported into the United States occur in unvaccinated U.S. residents who become infected during international travel." You can see which countries in the world have reported measles outbreaks.
From just $107.88 $24.99 for Kiplinger Personal Finance
Become a smarter, better informed investor. Subscribe from just $107.88 $24.99, plus get up to 4 Special Issues
Sign up for Kiplinger’s Free Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
Routine vaccinations available without any out-of-pocket costs
Vaccine | Covered dosage | Age covered- 65 and over |
|---|---|---|
COVID-19 | 2 or more doses of 2025-2026 vaccine | Row 0 - Cell 2 |
Influenza | 1 dose annually | (HD–IIV3, RIV3, or aIIV3 preferred) |
Tetanus, diphtheria, pertussis (Tdap or Td) | 1 dose Tdap, then Td or Tdap every 10 years thereafter. | Row 2 - Cell 2 |
1 dose | For adults with no evidence of immunity to measles, mumps, or rubella: | |
Chickenpox- Varicella (VAR) | 2 doses | For adults who do not have evidence of immunity. |
Shingles- Zoster recombinant (RZV) | 2 doses | Row 5 - Cell 2 |
Vaccine | Covered dosage | Age covered- 60-74 |
Respiratory Syncytial Virus (RSV) | Unvaccinated and at increased risk of severe RSV disease**. See list of risk factors here. | Previously vaccinated: additional doses not recommended. |
Vaccine | Covered dosage | Age covered- 75 and over |
Respiratory Syncytial Virus (RSV) | Unvaccinated: 1 dose. | Previously vaccinated: additional doses not recommended |
Covered vaccines that are given when necessary
Some vaccines are only recommended when a patient has a risk factor that makes the vaccination necessary. Those additional factors include: an underlying condition, increased risk from exposure or traveling to a country with a documented increased risk of exposure.
Pneumococcal (PCV15, PCV20,PCV21, PPSV23) | As determined by your doctor | Which vaccine you receive and when is based on your prior vaccination history |
Hepatitis A (HepA) | 2, 3, or 4 doses depending on vaccine | Note: Recommended vaccination for adults with an additional risk factor or another indication |
Hepatitis B (HepB) | 2, 3, or 4 doses depending on vaccine or condition | Notes: Recommended vaccination for adults who meet age requirement, lack documentation of vaccination, or lack evidence of immunity Recommended vaccination for adults with an additional risk factor or another indication |
Meningococcal A, C, W, Y (MenACWY) | 1 or 2 doses depending on indication | Notes: Recommended vaccination for adults with an additional risk factor or another indication |
Meningococcal B (MenB) | 2 or 3 doses depending on vaccine and indication | Notes: Recommended vaccination for adults with an additional risk factor or another indication |
Haemophilus influenzae type b (Hib) | 1 or 3 doses depending on indication | Note: Recommended vaccination for adults with an additional risk factor or another indication |
Mpox | 2 doses | Note: Recommended vaccination for adults with an additional risk factor or another indication |
Pollio- Inactivated poliovirus (IPV) | Complete 3-dose series if incompletely vaccinated. | Note: Most adults have likely already been vaccinated against poliovirus during childhood.- If you are traveling to a country where there is a documented increased risk of exposure to poliovirus. Ask your healthcare provider if you need a booster. |
Get the most from this free benefit
Original Medicare and Medicare Advantage beneficiaries have access to routine vaccinations for no additional costs. Check the recommended list of vaccinations yearly, as the list is updated annually. If you are traveling, check to see if any destination-specific vaccines and medicines are covered.
The CDC updates a list of Travel Health Notices to keep you apprised of global health risks during outbreaks and how to travel safely.
If you have a chronic illness, disability, or a weakened immune system, consider getting travel insurance. Why? Original Medicare and most Medigap and Medicare Advantage policies do not offer comprehensive coverage outside of the U.S. Medicare defines the term “outside the U.S.” to mean anywhere other than the 50 states of the U.S., the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa and the Northern Mariana Islands.
Related Content
Profit and prosper with the best of Kiplinger's advice on investing, taxes, retirement, personal finance and much more. Delivered daily. Enter your email in the box and click Sign Me Up.

Donna joined Kiplinger as a personal finance writer in 2023. She spent more than a decade as the contributing editor of J.K.Lasser's Your Income Tax Guide and edited state specific legal treatises at ALM Media. She has shared her expertise as a guest on Bloomberg, CNN, Fox, NPR, CNBC and many other media outlets around the nation. She is a graduate of Brooklyn Law School and the University at Buffalo.
-
The SEC Is Concerned for Older Investors and Retirement Savers. Here's What You Should KnowThe SEC focusing on older investors, retirement and college savers, and private securities. Here's how those changes impact you.
-
Vesting, Catch-Ups and Roths: The 401(k) Knowledge QuizQuiz Test your understanding of key 401(k) concepts with our quick quiz.
-
Why You Should Pay Attention to Company GuidanceUnderstanding how corporate profit forecasts affect analysts’ estimates and stock ratings can help you make investment decisions.
-
Vesting, Catch-Ups and Roths: The 401(k) Knowledge QuizQuiz Test your understanding of key 401(k) concepts with our quick quiz.
-
The 2026 Retirement Catch-Up Curveball: What High Earners Over 50 Need to Know NowUnlock the secrets of the 2026 retirement catch-up provisions: A must-read for high earners aged 50 and above.
-
A 5-Step Plan for Parents of Children With Special Needs, From a Financial PlannerGuidance to help ensure your child's needs are supported now and in the future – while protecting your own financial well-being.
-
I'm 59 With $1.7 Million Saved and Just Lost My Job. Should I Retire at 59½, or Find New Work?We asked professional wealth planners for advice.
-
A Wealth Adviser Explains: 4 Times I'd Give the Green Light for a Roth Conversion (and 4 Times I'd Say It's a No-Go)Roth conversions should never be done on a whim — they're a product of careful timing and long-term tax considerations. So how can you tell whether to go ahead?
-
A 4-Step Anxiety-Reducing Retirement Road Map, From a Financial AdviserThis helpful process covers everything from assessing your current finances and risks to implementing and managing your personalized retirement income plan.
-
I Drive and Collect Classic Cars: Here’s How I Got in the Game Without Spending a FortuneAre classic cars a hobby or an investment strategy — or both? Either way, the vintage car scene is much cooler and more affordable than you think.
-
The $183,000 RMD Shock: Why Roth Conversions in Your 70s Can Be RiskyConverting retirement funds to a Roth is a smart strategy for many, but the older you are, the less time you have to recover the tax bite from the conversion.