When it comes to keeping your skin healthy, regular check-ups make a big difference, but it can be confusing to know exactly what your insurance will cover. 

Dr. Joy R. Boyne and the team at Boyne Dermatology in Jacksonville, Florida, know the value of individualized care. Our team wants to ensure you have affordable options. 

Whether you’re new to skin exams or simply unsure of your insurance benefits, we can help you get the information you need.

Factors That Affect Insurance Coverage for Skin Exams

Coverage for skin exams often depends on a few factors related to your insurance plan and health background. Here’s a closer look at what may impact whether your skin exam is covered:

Type of Insurance Plan

Each insurance provider has its own guidelines. Some plans fully cover skin exams as preventive care, while others only cover exams deemed “medically necessary.” In some cases, plans may require specific symptoms or risk factors before covering a routine check-up. It’s helpful to review your plan’s policy on preventive care and any requirements for medical necessity.

Personal Risk Factors

If you have a personal or family history of skin cancer, atypical moles, or other skin conditions, your insurer may be more likely to classify skin exams as medically necessary. Conditions that require regular monitoring, such as chronic skin issues or high-risk factors, may increase the chances of full or partial coverage for these exams.

Deductible

Your deductible status will play a significant role. Many insurance plans offer full coverage for preventive services like skin exams once your deductible has been met. If you’re unsure about your deductible or remaining balance for the year, a quick check with your insurer can help clarify potential out-of-pocket costs for a skin exam.

How Boyne Dermatology Can Help

Our team at Boyne Dermatology is committed to helping you get the care you need without any surprises. We encourage you to call us if you’re unsure about your insurance coverage for skin exams. We’ll help you navigate any questions you might have and guide you in reaching out to your insurance provider for a clear answer.

If you’re in Jacksonville and want to learn more about your insurance options for skin exams, contact Boyne Dermatology at 904-281-1988. We’re here to help make skin care affordable and accessible.