As we age, our skin becomes thinner and more fragile. This may lead to an increased risk of skin injury and other issues.1
If you have Medicare and need to see a dermatologist, let’s explore if Medicare will help pay for your treatment.
Generally, Original Medicare only covers services that are medically necessary , opens new window. 2 A list of skin conditions and treatments Medicare may help cover includes:3
- Allergy testing
- Mole removal for cancerous moles or growths
- Skin tag or wart removal if painful or bleeding
- Skin cancer screenings for potentially cancerous skin growth
Original Medicare will not cover cosmetic surgery if the only purpose is to improve appearance. However, if cosmetic surgery is needed to repair an accidental injury or improve the function of a malformed body part, Original Medicare may help cover some of the costs.4
If your treatment involves an outpatient checkup or procedure that is medically necessary, Original Medicare Part B (medical insurance) should help pay some of the expenses. Under Medicare Part B, you generally pay 20% of the Medicare-approved amount for a dermatology appointment and other doctor visits.5
If you have a Medicare Part C (Medicare Advantage) plan, you’ll automatically get Part B coverage. However, you may pay a different copayment or coinsurance amount depending on your treatment. You may also pay more out of pocket for specialist appointments and need a referral from your primary care physician to see a dermatologist.6
Medicare Supplement (Medigap) plans may help cover all or part of the Part B coinsurance or copayment.7 The contributions towards these costs may depend on your individual plan.
Note: If you’re unsure about Medicare paying for your treatment, talk to your dermatologist or provider before getting treatment.
For more helpful information on Medicare, check out these 10 frequently asked questions about Medicare plans.