2. Cancer Screenings That Could Save Your Life (No Bills, Ever)
The Problem: Cancer screenings are expensive. A colonoscopy without insurance can run $3,000–$5,000. A mammogram screening might cost $400+. Here’s the secret: Medicare covers nearly all recommended cancer screenings at zero cost, yet millions of beneficiaries skip them because they don’t realize they’re free.
What Medicare Covers (100% Free):
Colorectal Cancer Screening
- For ages 50+: Colonoscopy, sigmoidoscopy, or fecal occult blood tests
- Every 10 years (colonoscopy); every 5 years (other methods)
- Typical cost if uninsured: $3,000–$5,000
- Your cost with Medicare: $0
Breast Cancer Screening
- Ages 40+: Baseline mammogram + annual screening mammograms
- Diagnostic mammograms (more frequent, if medically necessary) may have 20% copay
- Prevention screening: completely free
Cervical Cancer Screening (For Women)
- Pap tests and pelvic exams every 24 months
- Every 12 months if high-risk
- Included with annual wellness visits
Prostate Cancer Screening (For Men)
- Prostate-Specific Antigen (PSA) blood test yearly
- Digital rectal exams annually for ages 50+
- Free under Part B
Lung Cancer Screening
- Low-dose CT scan for high-risk smokers (55–77 years old)
- Current or former smokers with 30+ pack-year history
- Free if ordered by a physician
The Impact: Studies show early detection increases 5-year survival rates by 85%+ for many cancers. This one perk could literally save your life.
