As the heat of summer approaches, many enjoy the warmth and sunshine it brings. However, increased sun exposure also raises concerns about skin cancer, particularly for individuals over 65. While skin cancer is common, the good news is that early detection significantly improves outcomes. Medicare provides coverage for various essential detection and treatment services, ensuring you have access to necessary care.

Medicare and Skin Cancer Coverage

• Medicare covers medically necessary services for detecting and treating skin cancer. This includes visits to the doctor if there's a suspected case, as well as biopsies and related treatments.
• Cost-sharing is part of the plan—patients typically pay a portion after meeting their deductible.
• During your annual wellness visit, preventive care discussions, including those about skin concerns, are covered. Utilize this opportunity to discuss any skin changes with your healthcare provider.

What Medicare Doesn't Cover

• Routine full-body skin exams aren’t typically covered unless a suspicious lesion is identified by a doctor. This highlights the importance of self-checks and promptly reporting any changes to a physician.
• Cosmetic procedures, like removing benign moles or skin tags, aren’t covered.
• Original Medicare does not cover sunscreen or preventive skincare products, though some Medicare Advantage plans might offer additional skincare benefits. It's advisable to review your specific plan’s details.
• Experimental or non-FDA-approved treatments are also excluded from coverage.

Be Proactive About Your Skin Health

Remaining vigilant with your skin health means staying proactive. Contact a Medicare advisor or your plan provider to clarify specific inclusions in your plan. Regular monitoring and timely medical check-ups are your first line of defense against skin cancer.