As summer arrives, bringing longer days and sunnier skies, many of us find ourselves spending more time outdoors. This increased sun exposure can heighten concerns about skin cancer, especially for those over the age of 65. While skin cancer is the most common form of cancer, early detection can greatly improve the chances of successful treatment. Luckily, Medicare offers coverage for many critical skin cancer detection and treatment services, providing peace of mind and access to care when it matters most.

Understanding What Medicare Covers

• Medicare covers medically necessary services for skin cancer detection and treatment, which includes doctor visits if there’s a suspected case, biopsies, and necessary treatments.
• Routine full-body skin exams are not covered unless a doctor identifies a suspicious lesion. This makes self-checks vital; reporting any changes to a physician as they occur is crucial.
• Preventive care discussions during the annual wellness visit are also covered. It’s a chance to address any skin concerns.
• Cost-sharing is involved; typically, patients contribute a portion after meeting their deductible.
• The removal of benign moles or skin tags, considered cosmetic procedures, is not covered under Medicare.

Additional Considerations

• Original Medicare does not cover sunscreen or preventive skincare products. However, some Medicare Advantage plans might include additional benefits. It’s advisable for beneficiaries to review their plan details.
• Experimental or non-FDA-approved treatments are generally not covered by Medicare.

Being proactive about skin health is essential. To understand the intricacies of Medicare coverage for your specific situation, consider contacting a Medicare advisor or your plan provider. Stay informed and enjoy the sunshine responsibly!