Skin Rehab can bill your health insurance company for dermatology visits. However, insurance coverage is complex, no two insurance plans will be the same. It is important to look into your benefit plan before you schedule a visit.
It’s a good rule of thumb to think that medically necessary treatments will usually receive some coverage. Dermatology services considered medically necessary by many insurance providers include:
- Acne treatments
- Skin cancer treatment
- Skin cancer removal
- Dermatologic medications
- Treatment for chronic skin conditions (eczema, psoriasis, rosacea)
- Treatment for hives, warts, fungal infections, and other skin conditions
- Annual or regular preventive skin exams
When it comes to insurance benefits for covered services, Amy Suda, DCNP reminds clients, “Coverage doesn’t necessarily mean that you won’t have to pay anything out of pocket for your dermatology appointment. It just means that your insurance provider will cover part of the cost of treatment. You may still be responsible for a deductible or co-payment.”
In addition to insurance benefits, clients whose benefit plans include flexible spending accounts (FSA) or health savings accounts (HSA) can typically utilize these benefits to cover the out-of-pocket costs of treatment. Additionally, non-covered and elective dermatology procedures, including cosmetic dermatology, can usually be purchased using FSA and HSA funds, so this is a great solution if your insurance plan includes these options.
Some of the many dermatology services covered by FSA and HSA funds include:
- Any co-pays or deductibles related to covered medical dermatology services
- Acne treatments and medications offered in-office and for at-home use
- Visit and treatment costs for common skin conditions like rosacea, eczema, psoriasis, and rashes
- Botox for hyperhidrosis (excessive sweating)
- Scar, wart, skin tag, and other lump or bump removal and treatment
- Sunscreens and lip sunscreens purchased from the dermatologist
- Retinoids, aloe vera, and other medicated or prescription skincare products
Skin Rehab can bill Medicare for your dermatology visits.
Medicare Part B usually covers office visits to diagnose or treat a medical condition. That includes dermatology care if it’s shown to be a medical necessity, such as a skin exam or biopsy to detect skin cancer or treat a chronic skin condition.
Some Medicare Advantage Plans, known as Part C, do include dermatology services but may have monthly premiums, deductibles, and copays. It may be worth investing in Part C or a private supplemental policy, depending on your health situation.
Skin Rehab accepts patients who don’t have health insurance.
At Skin Rehab, we recognize that not everyone has health insurance, or some patients may be in a position where they suddenly lose insurance coverage, or their insurance plan changes to a plan that we no longer accept. We make every effort to keep your costs low by giving you a good faith estimate for your office visit and/or treatment. Our staff is happy to assist you if you have any questions about pricing prior to your visit.