Understanding Medicare Coverage for Skin Cancer Screenings

With summer just around the corner, many of us are looking forward to sunny days and outdoor activities. However, for those over 65, increased sun exposure might bring concerns about skin cancer. While it is a common health issue, early detection significantly improves treatment outcomes. Fortunately, Medicare offers coverage for many essential skin cancer detection and treatment services to provide peace of mind and access to necessary care.

Medicare Coverage for Skin Cancer Detection and Treatment

• Medicare covers medically necessary services for skin cancer detection and treatment. This includes doctor visits if skin cancer is suspected, biopsies, and related treatments.
• Cost-sharing applies, meaning patients usually pay a portion of the costs after meeting their deductible.
• Annual wellness visits covered by Medicare can include preventive care discussions, making them an excellent opportunity to address skin health concerns.
• Routine full-body skin exams are not covered unless a doctor identifies a suspicious lesion. Therefore, self-checks are important, and any changes should be reported to a physician promptly.
• Medicare does not cover cosmetic procedures such as the removal of benign moles or skin tags.
• While Original Medicare does not cover sunscreen or preventive skincare products, some Medicare Advantage plans might offer additional benefits. It's a good idea to check your plan's details.
• Experimental or non-FDA-approved treatments are not included in the coverage.

We encourage everyone to be proactive about their skin health. Reach out to a Medicare advisor or your plan provider to understand the specifics of your coverage. Your health and well-being are the top priority, and staying informed is a key step in managing your care.