Summer Sun and Skin Health Concerns

With summer just around the corner, many of us are looking forward to long, sun-filled days. However, for those over 65, increased sun exposure can also bring concerns about skin health, specifically the risk of skin cancer. Skin cancer is one of the most common types of cancer, but there's good news: early detection significantly improves outcomes.

Thankfully, Medicare provides coverage for many of the essential services needed to detect and treat skin cancer.

Medically Necessary Services for Detection and Treatment

• Medicare covers medically necessary services, including doctor visits if there's a suspected case of skin cancer.
• Biopsies and related treatment services are also within Medicare's purview.

However, keep in mind that cost-sharing applies. Generally, you'll need to pay a portion of the costs after meeting your deductible.

Preventive Care Discussions

• Your annual wellness visit is an excellent opportunity to discuss skin concerns and preventive care with your doctor.

Yet, routine full-body skin exams aren't covered unless your doctor identifies a suspicious lesion. This makes self-checks and reporting any changes crucial for timely intervention.

Cosmetic and Experimental Treatments

• Medicare doesn't cover cosmetic procedures, like the removal of benign moles or skin tags.
• Nor does it cover experimental or non-FDA-approved treatments.

Understanding Plan Benefits

• Original Medicare doesn't cover sunscreen or preventive skincare products, but some Medicare Advantage plans might offer extra benefits.

It's wise to review your plan's details or consult a Medicare advisor for clarity.

As summer approaches, staying proactive about your skin health is essential. If you have any questions, contact a Medicare advisor or your plan provider to understand what's included in your plan.