Visiting the Dermatologist: A Blog

What You Should Know About Using Your Health Insurance To Cover Your Dermatology Visits

If it's time for you to see a dermatologist, then you might be curious about whether or not your health insurance will cover the costs. These are some of the things that you will probably want to know about using your health insurance to cover your dermatology visits.

You'll Need to See the Right Dermatologist

First of all, if you already have a dermatologist in mind, you may want to inquire about whether or not they accept your insurance. If you aren't sure of which dermatologist you want to see but if you want to help ensure that your visit is covered by your health insurance company, then you may want to contact your insurance provider for more information about dermatologists in your area that are a part of your health insurance network. 

All of Your Visits and Medication Might Not Be Covered

In many cases, health insurance only pays for dermatology visits if they are medically required. Therefore, if you are scheduling an appointment with a dermatologist because you are concerned that you might have skin cancer, then your health insurance might cover your visit. If you are seeing a dermatologist because you want help with your wrinkles and fine lines, on the other hand, your insurance company might not consider your visit to be medically necessary, so they might not cover your appointment.

The same might be true of your medication. If your health insurance plan covers medication, then it might cover medication that your dermatologist prescribes for a medically necessary purpose. If you are prescribed a face cream for acne or wrinkles, however, your insurance might not cover your medication at all. If you have Medicare but don't have a prescription drug plan, then there is a good possibility that none of the medication that is prescribed by your dermatologist will be covered, since Medicare alone typically does not cover medication.

You May Need to Pay a Copay

Even if your health insurance will cover your dermatology visit, there is a chance that you will need to pay something out-of-pocket. For example, you might be required to pay a copayment for your visit. If you aren't sure of whether or not you will be required to pay a copay or how much your copay will be, contact your insurance provider, or call your dermatologist's office ahead of time for advice. You may also want to ask about which payment methods are accepted by the dermatologist's office so that you will be prepared to pay your copay.

If you need help, reach out to a local Medicare dermatologist.