Skin Cancer Screenings: Medicare Coverage Explained

With summer approaching, many people anticipate more time outdoors, enjoying the sun. However, this increased sun exposure also raises concerns about skin cancer, a particular worry for those over 65. Fortunately, while skin cancer is common, early detection can significantly improve outcomes. Medicare provides coverage for essential detection and treatment services, offering peace of mind and easy access to care.

Medicare Coverage for Skin Cancer

• Medicare covers medically necessary services for detecting and treating skin cancer, including doctor visits if there’s suspicion of cancer, biopsies, and related treatments.
• Cost-sharing applies: typically, patients pay a portion after meeting their deductible.
• Preventive care discussions during the annual wellness visit are covered. Use this time to address any skin concerns you may have.
• Routine full-body skin exams are not covered unless a doctor identifies a suspicious lesion. This underscores the importance of self-checks and reporting any changes to a physician.

What Medicare Does Not Cover

• Medicare does not cover cosmetic procedures, such as the removal of benign moles or skin tags.
• Original Medicare excludes sunscreen and preventive skincare products. However, some Medicare Advantage plans might offer additional benefits, so check your plan’s details.
• Experimental or non-FDA-approved treatments are not covered.

Stay proactive about your skin health. Contact a Medicare advisor or your plan provider to clarify what's included in your specific plan and remember, taking charge of your health by scheduling regular self-checks is vital.