A Time for Caution: Sun Exposure and Skin Cancer Risks

As summer approaches and the sun shines more brightly, our exposure to its rays increases. For many, especially those over 65, this brings about concerns regarding skin cancer. With skin cancer being one of the most common cancers, it's vital to understand that early detection can significantly improve outcomes. Fortunately, Medicare offers coverage for many essential services related to skin cancer screening and treatment, providing peace of mind and access to necessary care.

Medicare Coverage for Skin Cancer Detection and Treatment

• Medically necessary services such as doctor visits, biopsies, and treatments for suspected skin cancer cases are covered.
• Cost-sharing applies—patients typically pay a portion after meeting their deductible.
• During the annual wellness visit, preventive care discussions about skin concerns are also covered. Utilize this time to talk to your doctor about any skin issues.
• Routine full-body skin exams are not covered unless a doctor identifies a suspicious lesion, highlighting the importance of self-checks and reporting changes.

What Medicare Doesn’t Cover

• Cosmetic procedures, such as the removal of benign moles or skin tags, are not covered under Medicare.
• Original Medicare does not include coverage for sunscreen or preventive skincare products. However, some Medicare Advantage plans might offer additional benefits, so check your plan’s specifics.
• Experimental or non-FDA-approved treatments are not covered.

Proactive Steps Toward Skin Health

Staying proactive about your skin health can make a significant difference. Conduct regular self-checks and report any changes to your physician. If you have questions about what services are covered, consider reaching out to a Medicare advisor or checking with your plan provider to clarify what's included in your specific plan. This proactive engagement with your healthcare can contribute significantly to your well-being.