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Each year, health experts recommend getting a flu shot to protect yourself and your community from seasonal influenza. But many people still ask: Are flu shots free with insurance?
In most cases, the answer is yes. Here’s what you need to know about insurance coverage, how to get your shot, and why it’s still one of the most effective ways to stay healthy.
Are Flu Shots Covered by Insurance?
Yes, most major insurance plans cover the cost of an annual flu shot. This includes:
- Private insurance (employer-sponsored or individual plans)
- Medicare Part B
- Medi-Cal and Medicaid
- Marketplace (ACA) plans
Under the Affordable Care Act (ACA), flu shots are considered preventive care, which means they’re usually 100% covered—no copay or deductible. However, the provider or clinic must be in your plan’s network.
If you’re unsure about your coverage, call your insurance provider or check your plan’s member portal before your appointment.
What About Medicare and Medi-Cal?
- Medicare Part B covers one flu shot per flu season at no cost if you receive it from a participating provider.
- Medi-Cal covers flu shots for eligible patients, with no cost-sharing when administered by in-network clinics or pharmacies.
If you’re a senior or managing a chronic condition, flu vaccination is especially important—and often prioritized for early-season administration.
Where Can I Get a Flu Shot?
You can typically receive a flu shot at:
- Your primary care provider’s office
- Pharmacies like CVS, Walgreens, or Safeway
- Community clinics and health centers
- Employer-sponsored wellness events
BASS Medical Group offers seasonal flu shots at many of our Northern California locations, especially during fall and early winter.
Why You Should Still Get a Flu Shot Every Year
Even if you’re healthy, flu shots help:
- Protect against the most common flu strains that season
- Reduce your risk of severe illness, hospitalization, or complications
- Lower the spread of flu to vulnerable people in your household or workplace
It’s a quick appointment that could prevent weeks of illness or worse.
Don’t Wait—Flu Season Starts Early
Flu season typically starts in October and peaks between December and February, but it can last as late as May. For full protection, it's best to get vaccinated by the end of October.
Most vaccines take about two weeks to become effective—so early protection matters.
Get Your Flu Shot at BASS Medical Group
At BASS Medical Group, we’re committed to keeping our communities healthy year-round. Our providers offer flu shots in a safe, convenient setting—and we’ll help you verify insurance coverage in advance so there are no surprises.
Book your flu shot appointment this fall and stay protected all season.
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