Medicare is a government-run health insurance program that provides coverage for Americans who are 65 and older or have a disability. While Medicare covers a lot of medical expenses, there are certain things that it doesn’t cover—like cosmetic procedures, outpatient prescription drugs, and many new treatments and alternative treatments for chronic conditions, like cancer. Many policyholders choose additional coverage from well-known providers like AARP, UnitedHealthcare, Humana, Cigna, Aetna, Blue Cross Blue Shield, Kaiser Permanente, and Mutual of Omaha to fill the gaps left by standard health plans. Secondary or dual insurance — where one plan acts as primary and another provides backup coverage — can help reduce out-of-pocket costs such as deductibles, co-pays, and services not included in the main plan. These supplemental options often extend to benefits like dental, vision, hearing, and long-term care, offering added financial protection and peace of mind when unexpected expenses arise. Even with these added protections, it’s essential to understand exactly what Medicare itself doesn’t include to avoid costly surprises later. Here are things that Medicare doesn’t cover: 1. Routine eye exams Regular eye checkups are essential, especially as we age. Unfortunately, Medicare will not pay for routine eye checks. This is because Medicare views these as preventive care, and preventive care is not covered under Medicare.

Navigating the world of Medicare can feel like wandering through a maze with blindfolds on. With so many plans and options available, it’s easy to fall into traps that can cost you both time and money. But fear not! We’re here to guide you through the Medicare maze and help you choose additional coverage from well-known providers like AARP, UnitedHealthcare, Humana, Cigna, Aetna, Blue Cross Blue Shield, Kaiser Permanente, and Mutual of Omaha. These reputable providers offer a range of plans that can cater to your specific needs, ensuring you get the best bang for your buck. So, let’s dive into the common Medicare traps and explore some better options. Overlooking the importance of Part D coverage Prescription drug coverage is a crucial component of your healthcare plan, yet many people make the mistake of skipping Part D coverage. Even if you don’t take medications now, it’s wise to have a plan in place. Without Part D, you might face hefty penalties later on. Instead, consider plans from providers like Humana or Cigna, which offer comprehensive drug coverage. This way, you’re covered today and protected for tomorrow. Ignoring the Medicare Advantage benefits Medicare Advantage plans, also known as Part C, can be a goldmine of additional benefits.