As summertime approaches and sunshine beckons, it's crucial to pay attention to skin health, particularly if you're over the age of 65. Increased sun exposure can elevate concerns about skin cancer, a common condition that, when caught early, has significantly better outcomes. Thankfully, Medicare can offer peace of mind by covering essential services related to the detection and treatment of skin cancer.

Medicare Coverage for Skin Cancer

• Medicare covers medically necessary services for detecting and treating skin cancer. This includes doctor visits if there's a suspected case, biopsies, and related treatments.
• Routine full-body skin exams are not covered unless a doctor identifies a suspicious lesion. This underscores the importance of regular self-checks and communicating any changes to a physician.
• Preventive care discussions are encouraged during the annual wellness visit, which Medicare also covers, offering an opportunity to discuss any skin concerns with a healthcare provider.
• It's important to note that while Medicare supports vital skin cancer detection services, cosmetic procedures such as the removal of benign moles or skin tags are not covered.
• Typically, cost-sharing applies, meaning the patient pays a portion of costs after meeting the deductible.

Other Considerations

• Original Medicare does not cover sunscreen or preventive skincare products. However, some Medicare Advantage plans might provide additional benefits in this area, so it's worth checking your plan’s details.
• Medicare excludes coverage for experimental or non-FDA-approved treatments, so discussing treatment options with a healthcare provider is crucial.

Remaining proactive about skin health is vital. Regularly checking your skin and discussing any concerns with your doctor can make a difference in early detection and treatment. Don't hesitate to contact a Medicare advisor or your plan provider for a detailed understanding of what your specific plan covers.