As summer approaches, and with it, increased sun exposure, it's natural to have concerns about skin cancer—especially for those of us over 65. While the condition is common, the reassuring news is that early detection greatly enhances outcomes. Fortunately, Medicare provides coverage for essential services related to skin cancer detection and treatment.

What Medicare Covers

• Medicare covers medically necessary services for the detection and treatment of skin cancer, including doctor visits if there's a suspected case, biopsies, and related treatments.
• It's worth noting that cost-sharing applies, typically requiring patients to pay a portion after meeting their deductible.
• Preventive care discussions about skin health during your annual wellness visit are covered, so consider using this opportunity to discuss any concerns with your doctor.

Understanding Coverage Limitations

• Routine full-body skin exams are not covered unless your doctor identifies a suspicious lesion, showcasing the importance of self-checks and promptly reporting any changes.
• Be aware that cosmetic procedures, such as the removal of benign moles or skin tags, are not covered by Medicare.
• Original Medicare does not include coverage for sunscreen or preventive skincare products. However, some Medicare Advantage plans might offer additional benefits, so it's a good idea to review your plan's details.

Stay Proactive

Being proactive about your skin health is key. Remember that experimental or non-FDA-approved treatments are generally excluded from coverage. Reach out to a Medicare advisor or your plan provider to understand what is included in your specific plan. By staying informed, you can ensure access to the care you need while enjoying the sunny days ahead.