Understanding Medicare Coverage for Skin Cancer

As summer approaches, sun exposure becomes a daily concern, especially for those over 65. With the heightened risk of skin cancer, early detection is more important than ever. Thankfully, Medicare provides coverage for many essential services, offering peace of mind and ensuring access to necessary care.

Medicare Coverage for Skin Cancer

• Medicare covers medically necessary services for skin cancer detection and treatment. This includes doctor visits if there’s a suspected case, biopsies, and related treatments.
• After meeting your deductible, expect cost-sharing, where the patient typically pays a portion of the costs.
• Remember to use your annual wellness visit to discuss preventive care, including any skin concerns you may have.
• Routine full-body skin exams aren’t covered unless a doctor finds a suspicious lesion. This highlights the importance of regular self-checks and promptly reporting changes to a physician.

What Medicare Doesn't Cover

• Medicare doesn't cover cosmetic procedures, such as the removal of benign moles or skin tags.
• Original Medicare doesn't cover sunscreen or preventive skincare products. However, some Medicare Advantage plans might offer additional benefits, so it's worth checking the details of your plan.
• Experimental or non-FDA-approved treatments are not included in Medicare coverage.

Staying Proactive

Stay proactive about your skin health. Regular self-examinations and discussions with your healthcare provider about suspicious changes can make a difference. For detailed information on your coverage, consider contacting a Medicare advisor or your plan provider.