Skin Cancer Screenings: Medicare Coverage Explained

As the sunny days of summer approach, thoughts of beach outings and outdoor fun become more frequent. Alongside this seasonal joy comes an increased concern about sun exposure, especially for those over 65. Skin cancer, while common, is a disease where early detection can significantly enhance treatment outcomes. Fortunately, Medicare offers coverage for many of the essential services needed for detection and treatment, providing peace of mind and access to care.

Understanding Medicare Coverage for Skin Cancer

• Medicare covers medically necessary services for skin cancer, including doctor visits if there's a suspected case, biopsies, and related treatments.
• Consider that cost-sharing applies. Typically, the patient is responsible for a portion of the costs after meeting their deductible.
• During the annual wellness visit, Medicare covers preventive care discussions. This is a prime opportunity to talk about skin concerns with your healthcare provider.
• Routine full-body skin exams aren't covered unless a doctor sees a suspicious lesion. It's important to do self-checks regularly and report any changes to your physician.

What Medicare Does Not Cover

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

Stay Proactive About Skin Health

To manage your skin health proactively, engage in regular self-examinations and consult your healthcare provider about any concerns. It's also advisable to contact a Medicare advisor or your plan provider to understand what your specific plan includes. Staying informed helps you make the best decisions for your health and wellness.