With summer approaching, many of us are looking forward to spending more time outside enjoying the sun. However, increased sun exposure brings with it the heightened risk of skin cancer, particularly for individuals over 65. Skin cancer is one of the most common types of cancer, but early detection makes it highly treatable. Fortunately, Medicare offers coverage for essential detection and treatment services, providing peace of mind and accessible care for those concerned about skin health.

Medicare and Skin Cancer Detection

• Medicare covers doctor visits if skin cancer is suspected and pays for medically necessary services such as biopsies and treatments.
• Cost-sharing typically applies, meaning patients pay a portion of the costs after meeting their deductible.

Coverage for Preventive Care

• During your annual wellness visit, Medicare covers preventive care discussions. Use this opportunity to address any skin concerns with your physician.
• Routine full-body skin exams are not covered unless a doctor identifies a suspicious lesion, emphasizing the importance of self-checks and reporting any changes to your doctor.

Cosmetic and Preventive Care Limitations

• Cosmetic procedures, like the removal of benign moles or skin tags, are not covered by Medicare.
• Original Medicare does not cover sunscreen or preventive skincare products, though some Medicare Advantage plans may offer additional benefits. It's advisable to check your plan's details.

Proactive Steps for Skin Health

Stay proactive about your skin health by regularly checking your skin for changes and discussing these during your annual wellness visit. If you have concerns about what Medicare covers in your specific plan, consider reaching out to a Medicare advisor or your plan provider to clarify your coverage.