Most beauty treatments aren't covered by insurance. However, PDT, or photodynamic therapy, is one of the rare treatments that is. This is because it treats precancerous lesions and superficial types of skin cancer. Not only that, one of the benefits of PDT therapy is that it can also be used for improving skin tone and treating acne. The treatment is performed in a dermatologist's office and is known for not hurting as much as other options like cryotherapy.