Medicare does not cover an annual skin exam, but it does cover diagnostic screenings for new skin growths or other unusual changes.

Generally speaking, Medicare does not cover screening for skin cancer in people who are asymptomatic, or without symptoms.

Part B is medical insurance. It covers a visit to the doctor to discuss any unusual symptoms, such as new skin growth or changes in the appearance of a mole.

It may also cover an unrelated appointment if your healthcare professional notices something unexpected or unusual on your skin.

Your healthcare professional will likely refer you to a dermatologist for a closer look at your skin. Medicare will also cover this appointment.

What symptoms should you watch for?

Use the ABCDE rule to check for some of the most common symptoms of melanoma. Basal and squamous cell carcinomas are more common than melanomas and can cause:

  • flat, firm, pale, or yellow scar-like areas of skin
  • rough, raised, or scaly patches
  • shiny or pearly bumps with blue, brown, or black discoloration
  • lumps or growths with raised edges and sunken centers
  • open sores that ooze or crust
  • sores that don’t heal or sores that heal and come back

If your dermatologist suspects that a growth or sore is cancerous, they’ll order a biopsy to check for abnormal cells. Part B typically covers 80% of the cost.

Medicare may also cover additional testing and the removal of any precancerous lesions.

Your out-of-pocket costs depend on whether your Part B coverage is through an Original Medicare or Medicare Advantage plan.

In 2024, most people will pay a monthly premium of $174.70 for Part B with Original Medicare. Your premium may be higher depending on your income.

After you pay a $240 deductible, you’ll generally pay 20% of all Medicare-approved costs for covered services.

Each Medicare Advantage plan sets its own cost and coverage amounts. The premiums, deductibles, copayments, and coinsurance amounts you’ll pay depend on your specific plan.

Staying in network, which means getting care from a predetermined list of healthcare professionals and facilities, usually costs less than going out of network.

Medicare does not cover routine screenings for skin cancer, but it does cover appointments with a doctor, dermatologist, or other healthcare professional to diagnose unusual skin symptoms.