Medicare and Skin Cancer Screenings: What You Need to Know

As summer approaches and we all spend more time outdoors, it's natural to think more about skin health. For those over 65, concerns about skin cancer can feel especially pressing. The good news is that while skin cancer is common, early detection makes a significant difference — and Medicare offers coverage for many essential services that help you stay on top of your skin health.

What Medicare Covers for Skin Cancer Detection

• Medicare covers medically necessary doctor visits if there’s a suspected issue, including evaluations for unusual moles or lesions.
• Biopsies and related treatments are included when a physician determines they’re needed.
• Cost-sharing typically applies, meaning you may pay a portion of the cost after meeting your deductible.

Using Preventive Visits Effectively

• Your annual wellness visit allows time for preventive care conversations. This is a great opportunity to bring up any concerns or changes you’ve noticed with your skin.
• Routine full-body skin exams are not covered unless your doctor identifies something suspicious. This makes performing regular self-checks especially important.

What Isn’t Covered

• Cosmetic procedures, such as removing benign moles or skin tags, are not covered.
• Original Medicare does not pay for sunscreen or preventive skincare products. Some Medicare Advantage plans may offer extra benefits, so it’s worth reviewing your plan’s details.
• Experimental or non-FDA-approved treatments are excluded from coverage.

Staying proactive about your skin health is one of the best ways to catch concerns early. If you’re unsure what your plan includes, consider reaching out to a Medicare advisor or your plan provider for clarification. A little knowledge goes a long way toward peace of mind — especially as the sunny season arrives.