Stay Safe in the Sun: Medicare and Skin Cancer Screenings

The sun is shining brighter and longer as summer approaches, bringing both joy and higher risks, particularly concerning skin cancer. For those over 65, this is a significant concern. Yet, despite its commonality, early detection of skin cancer markedly improves outcomes. Rest assured, Medicare provides support by covering essential services for detecting and treating skin cancer, offering you peace of mind and access to necessary care.

Medicare-Covered Services

• Medicare covers medically necessary services for detecting and treating skin cancer, including doctor visits, biopsies, and related treatments.
• Despite coverage, there is cost-sharing involved. Typically, you'll pay a portion after you've met your deductible.
• Preventive care discussions, especially about skin health during your annual wellness visit, are covered. Use this opportunity to address any concerns with your physician.

The Importance of Self-Checks

• Routine full-body skin exams aren't covered when there are no symptoms or suspicious findings. This underscores the importance of regular self-examinations and reporting changes to your physician timely.

What’s Not Covered?

• Cosmetic procedures, such as removing benign moles or skin tags, fall outside Medicare coverage.
• Original Medicare does not cover preventive skincare products, like sunscreen; however, some Medicare Advantage plans might. It's worth checking the specifics of your plan for these additional benefits.
• Experimental or non-FDA-approved treatments remain excluded from Medicare coverage.

Staying proactive about your skin's health is paramount. Should you have any questions about Medicare’s provisions, consider consulting a Medicare advisor or your plan provider to understand your specific coverage better. As you enjoy the sun, remember to protect your skin and prioritize your health.