I have a insurance policy’s that says not covered if the cancer is confined to the epidermis (outer layer of skin) the Clark level is 3 

Hi Greg,

Clark level 3 means the melanoma has grown below the epidermis into the papillary dermis and is touching the reticular dermis. Only a Stage 0 melanoma (melanoma in situ) is confined to the dermis so your insurance should pay out for a Stage 1b diagnosis and I know several Stage 1 patients who have been paid out. This should help www.cancerresearchuk.org/.../clark-breslow-staging

I'm assuming you are speaking of a Sentinel Node Biopsy? I will send you a friend request - if you accept it I can answer your questions by private message.

Angie (Stage 3 melanoma patient since 2009)