Navigating the ins and outs of Medicare can feel like trying to solve a puzzle without all the pieces. While Medicare offers a broad range of benefits, there are some surprising gaps in coverage that can catch you off guard. Whether you’re exploring options like the HumanaCo supplement medicare plan b or seeking patient assistance programs, it’s crucial to understand what Medicare doesn’t cover. Let’s dive into six things that might leave you reaching for your wallet.

1. Routine dental care

Medicare doesn’t typically cover routine dental care, which means cleanings, fillings, and even dentures are usually out-of-pocket expenses. While this might not be a shocker to some, the cost of dental care can add up quickly. Fortunately, there are Medicare Advantage plans that offer dental benefits. Exploring these options can save you from a financial cavity in the future.

2. Vision exams and glasses

If you’re expecting Medicare to cover your annual eye exam or a new pair of glasses, you might be in for a surprise. Original Medicare doesn’t cover vision exams, glasses, or contact lenses unless they’re related to a specific medical condition. However, some Medicare Advantage plans do offer vision benefits. It’s worth considering these plans if you want to keep your eyes and your wallet happy.

3. Hearing aids

Hearing aids are another essential item not covered by Original Medicare. Given that hearing aids can cost thousands of dollars, this gap in coverage can be particularly shocking. Again, some Medicare Advantage plans may offer coverage for hearing aids, so it’s wise to explore these options. Alternatively, patient assistance programs may provide financial aid for those in need.

4. Long-term care

Long-term care, whether in a nursing home or at home, is a significant expense not covered by Medicare. This includes help with daily activities like bathing, dressing, and eating. For those needing long-term care, this gap can be a financial burden. Long-term care insurance or Medicaid may be options worth exploring to cover these costs.

5. Cosmetic surgery

If you’re considering a nip or tuck, don’t expect Medicare to foot the bill. Cosmetic surgery is not covered unless it’s medically necessary, such as reconstructive surgery after an accident. This exclusion might not be shocking, but it’s important to remember when planning any elective procedures.

6. Alternative medicine

Alternative therapies, such as acupuncture or chiropractic care, are not covered by Medicare unless they are medically necessary and prescribed by a doctor. This can be disappointing for those who prefer holistic approaches to health care. Checking with individual insurance plans or patient assistance programs might reveal options for coverage in these areas.

Understanding these gaps in Medicare coverage can help you plan better and avoid unexpected expenses. While some gaps can be filled with a HumanaCo supplement medicare plan b or by enrolling in a Medicare Advantage plan, it’s crucial to review all options carefully. Patient assistance programs can also be a lifeline for those facing financial difficulties. By being informed and proactive, you can ensure that your health care needs are met without breaking the bank.