What is covered under Medicare?
Dermatology care can be covered under Medicare Part B if itâ€™s shown to be a medical necessity for the evaluation, diagnosis, or treatment of a specific medical condition. However, depending on the dermatology service or procedure, you may still have to pay a deductible and a percentage of the Medicare-approved amount.
For example, a routine full-body skin exam isnâ€™t covered by Medicare.
The exam may be covered if itâ€™s directly related to the diagnosis or treatment of a specific illness or injury. Typically, Medicare will pay for a skin exam following a biopsy indicating skin cancer.
Depending on the dermatology procedure, you may still have to pay a deductible and a percentage of the Medicare-approved amount.
Medicare Advantage coverage
Medical Advantage (Part C) may cover additional dermatology services, such as routine checkups and prescription medications. Your insurance provider will be able to give you these details. You can also check your plan documents to find out if you need a referral from primary care doctor to see a dermatologist.
To avoid unexpected expenses, always check to make sure that the treatment suggested by your dermatologist is covered by Medicare.
Because theyâ€™re usually not a response to a life-threatening situation or other pressing medical need, purely cosmetic procedures, such as treating wrinkles or age spots, are not covered by Medicare.
Usually, Medicare wonâ€™t cover cosmetic surgery unless itâ€™s required to improve the functionality of a malformed body part or to repair an injury.
For example, Medicare covers breast reconstruction surgery following a mastectomy due to breast cancer.
How to find a dermatologist who accepts Medicare
If you have a primary care doctor, they will commonly have a list of dermatologists they recommend.
You can also find a Medicare dermatologist using Medicare.govâ€™s physician finder tool. With this tool, youâ€™ll get a list of Medicare dermatologists within a 15- mile radius of your location.
If you have Medicare Advantage, you can either check the insurance providerâ€™s website for a list of in-network dermatologists or contact the company by phone.
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