Does Medicare Cover Mole Removal?

Moles are often harmless, but if you see changes in color or size, or if the mole begins to itch, bleed, cause pain or become inflamed, it’s a good idea to bring it to your doctor’s attention. The primary concern with moles is the potential for melanoma.

It’s important to see your doctor without delay if you suspect melanoma. If found in the early stages, this type of cancer is highly treatable. A dermatologist can usually remove moles in the doctor’s office. If the mole removal is medically necessary, outpatient surgery is covered under Medicare Part B. 

Medicare Benefits Solutions

Dec 6, 2021

 3 minutes read

Benefits covered under Medicare Part B

If you have a mole removed because you find it unattractive, Medicare would view the procedure as cosmetic surgery. Medicare does not cover cosmetic surgery unless necessary because of an accidental injury or a malfunctioning body part. 

If the procedure is medically necessary, Medicare Part B covers:

  • Your doctor’s services
  • Outpatient surgery
  • Diagnostic and treatment services

Your share of the cost:

  • Part B deductible: $203 in 2021
  • 20% of the Medicare-approved amount
  • Copayment to the hospital outpatient facility where the procedure was performed, if applicable

Skin cancer prevention

An article in the National Academies Press explains two types of prevention strategies adopted by health care professionals:

  • Primary prevention: counseling and educating patients, such as advice on limiting sun exposure and using sunscreen
  • Secondary prevention: promoting self-examination and awareness of risk factors

The initialism, ABCDE, is an easy way to remember what you should look for during your self-examination. Alert your doctor if you observe any moles with one or more of the following characteristics:

  • Asymmetrical: dissimilar halves and irregular shape
  • Border: jagged, ill-defined, or scalloped
  • Color: assorted colors in various shades
  • Diameter: greater than 6 millimeters (pencil eraser or pea size for reference)
  • Evolving: changing size, color, or shape

Skin cancer screening

Clinical screening is when a health care provider examines someone who displays no symptoms. Though Medicare does not cover routine melanoma screenings, Medicare Part B will cover your doctor’s examination of a suspicious mole, such as a change in color or a new growth on the skin. Schedule an appointment if you have any concerns. 

If you visit your doctor for another medical reason, and the doctor extends the visit to investigate a worrisome mole, Medicare Part B will cover the extended visit. If your doctor refers you to a dermatologist for diagnosis and treatment, Medicare Part B will cover the specialist’s services as well. 

Find a new plan

Get recommendations based on what's important to you, and compare them to your existing plan.

Resources

Browse these websites to find user-friendly information about moles and skin cancer:

  • American Academy of Dermatology Association (AAD)
  • Centers for Disease Control (CDC)

Got questions?

Call a licensed sales agent at

866-576-2956 or TTY 711

Mon to Sun 5am - 8pm PT

Send us a message

We aim to reply within 24 hours.



    By submitting information on this website, you authorize Medicare Benefits Solutions, herein after referred to as “Medicare Benefits”, which is a brand operated by HealthCompare Insurance Services Inc., its agents, or affiliates to contact you (even if you’re on a state or national do not call registry) at the phone number or email address you provide to discuss your Medicare Advantage, Medicare Part D (Drug) and Medicare Supplement plan options. The company may contact you through the use of an automated dialer or a prerecorded message. You understand that you are not required to authorize such marketing calls as a condition of purchasing a policy or receiving service and that you can change your permission preferences at any time.

    Find a plan

    Get plan recommendations

    Compare your current Medicare plan to our recommendations – then choose the plan that gives you more of the things you want.