Brian Benedict
Skin Cancer Screenings: What Medicare Covers
As summer approaches, many are anticipating sun-soaked days ahead. However, this also means increased sun exposure, which raises concerns about skin cancer, particularly for those over 65. While skin cancer is common, early detection can significantly improve outcomes. Fortunately, Medicare helps ensure you have access to essential detection and treatment services, providing peace of mind.
Medicare Coverage for Detection and Treatment
- Medicare covers medically necessary services for skin cancer detection and treatment, including doctor visits for suspected cases, biopsies, and related treatments.
- While cost-sharing applies, patients generally pay a portion after meeting their deductible.
Annual Wellness Visit
- Preventive care discussions during the annual wellness visit are covered. This is an ideal time to address any skin concerns.
Routine Skin Exams and Self-Checks
- Routine full-body skin exams are not covered unless a doctor identifies a suspicious lesion. Thus, self-checks and reporting changes to a physician are crucial.
Exclusions in Coverage
- Cosmetic procedures, such as the removal of benign moles or skin tags, are not covered under Medicare.
Sunscreen and Preventive Products
- Original Medicare does not cover sunscreen or preventive skincare products, though some Medicare Advantage plans might offer additional benefits. Check your plan’s specific details.
Non-FDA-Approved Treatments
- Experimental or non-FDA-approved treatments are generally excluded from coverage.
Proactively managing your skin health is essential. Contact a Medicare advisor or your plan provider to clarify what's included in your specific plan and ensure you're making the most of your coverage.