As summer approaches, many of us are excited for more time outdoors, but with increased sun exposure comes concern over skin health — particularly skin cancer, a prevalent issue for those over 65. Thankfully, early detection greatly improves outcomes, and Medicare offers support for essential screenings and treatments to ensure peace of mind.

What Medicare Covers for Skin Cancer

• Medicare covers medically necessary services related to skin cancer detection, including doctor visits when a suspicious lesion is found, biopsies, and necessary treatments.
• Preventive care discussions during your annual wellness visit are also covered. Utilize this opportunity to address any skin concerns.

Coverage Limitations

• Routine full-body skin exams are not covered by Medicare unless a doctor identifies a suspicious lesion. Conduct regular self-checks and report changes to your physician.
• Express cosmetic procedures, like the removal of benign moles or skin tags, are excluded from coverage under Medicare.
• While original Medicare does not cover sunscreen or preventive skincare products, some Medicare Advantage plans offer additional benefits. Check your plan for details.

Understanding Cost Sharing and Exclusions

• Cost sharing applies; typically, you'll pay a portion of costs post-deductible.
• Experimental or non-FDA-approved treatments are not covered by Medicare.

Stay proactive about your skin health. Regularly review your Medicare plan benefits or consult your Medicare advisor for more specific coverage details.