Understanding Medicare Coverage for Skin Cancer Screenings

Welcome Summer with a Mind on Skin Health

As the warmth of summer draws closer, so does the increased exposure to the sun, a known risk factor for skin cancer. For those aged 65 and over, vigilance about skin health becomes even more crucial. Though skin cancer is common, remember that early detection can significantly enhance treatment success. Rest assured, Medicare offers coverage for several vital services related to skin cancer detection and treatment, providing an accessible gateway to peace of mind and necessary care.

Medicare and Skin Cancer: What’s Covered?

• Medicare covers medically necessary services for skin cancer detection and treatment, such as doctor visits if skin abnormalities are suspected, biopsies, and necessary treatments.
• Routine full-body skin exams aren't covered without a doctor's referral for a suspicious spot; hence, it's important to report changes in your skin to your physician promptly.
• During your annual wellness visit, take advantage of preventive care discussions to address any skin health concerns you might have.

What Medicare Doesn't Cover

• Medicare does not cover cosmetic procedures, like the removal of benign moles or skin tags.
• Sunscreen or other preventive skin care products are not covered by Original Medicare; however, some Medicare Advantage plans might offer extra benefits. Check your plan details for specifics.
• Experimental or non-FDA-approved treatments are not included in Medicare coverage.

Navigating Cost Sharing

Be prepared that cost-sharing usually applies. Patients typically cover a portion of the costs after fulfilling their annual deductible. Understanding your plan’s specifics or consulting a Medicare advisor can clarify potential expenses.

Stay Proactive About Your Skin Health

Regular self-checks and timely consultations with your healthcare provider form the cornerstone of effective skin cancer prevention and management. If you have questions about what your specific Medicare plan covers, contact a Medicare advisor or your plan provider to ensure you have all the information you need to make informed health decisions.