As warmer weather approaches and we spend more time in the sun, it’s natural to feel a bit more aware of your skin health — especially if you’re over 65 and thinking about the risks of skin cancer. While skin cancer is common, the good news is that early detection can make a meaningful difference. Medicare helps support that peace of mind by covering many essential services related to identifying and treating skin cancer.

What Medicare Covers

• Medically necessary doctor visits when there’s a suspected case of skin cancer.
• Biopsies and related treatments when your doctor identifies something concerning.
• Preventive discussions during your annual wellness visit — a great time to bring up any spots or changes you’ve noticed.

What Isn’t Fully Covered

• Routine full-body skin exams unless your doctor has found a suspicious lesion.
• Cosmetic procedures such as removing benign moles or skin tags.
• Sunscreen or preventive skincare products under Original Medicare, though some Medicare Advantage plans may offer related extras.
• Experimental or non-FDA-approved treatments.

Why Self-Checks Still Matter

Because Medicare doesn’t cover routine screening exams without a medical concern, it’s important to keep an eye on your skin. If you notice changes in moles or new, unusual spots, report them to your doctor so they can determine next steps.

Staying Proactive About Your Skin Health

Understanding your coverage helps you stay confident and prepared. If you’re unsure what your specific plan includes, consider reaching out to a Medicare advisor or your plan provider for clarity.