Jim Miller | Jul 08 2025 15:00
Skin Cancer Screenings: Medicare Coverage Explained
As we embrace the warmth and sunshine of summer, many of us become more vigilant about the toll sun exposure can take on our skin. For those over 65, concerns about skin cancer are especially prevalent. While it is one of the most common types of cancer, early detection can make a world of difference in outcomes. That's why understanding what Medicare covers can provide much-needed peace of mind and access to essential care.
What Medicare Covers
- Medicare provides coverage for medically necessary services related to the detection and treatment of skin cancer. This includes doctor visits if skin cancer is suspected, as well as biopsies and necessary treatments.
- It's important to know that cost-sharing applies. Generally, after you meet your deductible, you'll pay a portion of the remaining amount.
- Preventative care discussions during your annual wellness visit are covered by Medicare. It's a great opportunity to talk with your physician about any skin concerns.
Importance of Self-Checks
- Medicare does not cover routine full-body skin exams unless a suspicious lesion is identified. Therefore, performing self-checks and notifying your doctor of any changes is crucial.
- Be reminded that cosmetic procedures, such as the removal of benign moles or skin tags, are not covered by Medicare.
Additional Considerations
- Original Medicare does not cover sunscreen or preventive skincare products. However, some Medicare Advantage plans may offer added benefits—review your plan’s specifics to understand your coverage.
- Treatments that are experimental or not approved by the FDA are excluded from Medicare coverage.
Staying proactive about your skin health can make all the difference. To clarify your coverage details and make informed decisions, consider reaching out to a Medicare advisor or your plan provider. By understanding and utilizing the resources available, you can enjoy the sun safely and focus on your skin's health.