Greg Borgeson
Skin Cancer Screenings: What Medicare Covers

Summer Sun and Skin Concerns

As summer approaches, many of us anticipate spending more time outdoors, basking in the warmth of the sun. However, with increased sun exposure comes heightened concern about skin cancer, especially among those over 65. It's understandable to worry, given that skin cancer is common, but early detection is key to improving outcomes. Fortunately, Medicare provides coverage for many crucial detection and treatment services, ensuring peace of mind and access to care.

Coverage Details for Skin Cancer

Medicare covers medically necessary services related to skin cancer detection and treatment. This includes:
  • Doctor visits if there's a suspicion of skin cancer.
  • Biopsies and subsequent treatments as needed.
It's important to remember that cost-sharing applies, meaning that you'll typically pay part of the cost after meeting your deductible.

Preventive Care Discussion

Medicare offers coverage for preventive care discussions during your annual wellness visit. This is an excellent opportunity to talk about any skin concerns you might have. It’s crucial to utilize these visits to maintain proactive skin health management.

Importance of Self-Checks

Routine full-body skin exams are not covered by Medicare unless a suspicious lesion is identified. This makes self-examinations at home even more important. Regularly check your skin for any changes and report them promptly to your physician.

Limitations on Coverage

Medicare does not cover cosmetic procedures such as the removal of benign moles or skin tags. Also, Original Medicare does not extend coverage to sunscreen or preventive skincare products, though some Medicare Advantage plans might offer additional benefits. It’s worth checking the specifics of your plan.

Exclusions in Coverage

Be aware that experimental or non-FDA-approved treatments are not covered by Medicare. This is an important consideration when exploring treatment options for skin cancer.

Proactive Health Management

Staying proactive about skin health is a crucial step towards prevention and early detection. For more detailed information about your specific Medicare coverage, consider contacting a Medicare advisor or consulting with your plan provider.