Medicare is a federal government program to provide health insurance coverage for people in the country that are aged 65 and above. Moreover, it also includes people with disabilities and certain chronic conditions. Medicare usually covers most of the needs of the older generation, but health insurance and Medicare are completely different. Medicare does not cover certain things, hence it’s important to budget for healthcare needs that may arise in the future.

What does Medicare not cover?
In most circumstances, Medicare part A and part B cover most of the medical expenses after one turns 65. However, it does not cover everything.

Long-term care
One of the largest potential expenses during retirement life is long-term care, amounting to around $105,800 in 2020. Here Medicare provides skilled nursing services, but it does not cover custodial care to aid in day-to-day activities such as bathing, dressing, etc.

Eye exams and opticians
While serious ophthalmic problems such as cataracts fall under Medicare, they do not cover routine eye checkups, lenses, and eyeglasses. Hence people can opt for an additional vision insurance policy to help pay for eye care.

Hearing aids
While Medicare does cover multiple ear-related health conditions, the plan does not pay for hearing aids and routine ear checkups. In cases like these, one can opt for insurance or membership in discount plans. This may help lessen the out-of-pocket costs effectively.

Dental care
Original Medicare plans may cover basic cleaning and X-rays, but even that’s limited to $1,500 annually. Further, they don’t cover routine dental checkups and treatment for specific dental issues.

Cosmetic surgeries
Medicare plans usually do not cover cosmetic surgeries. However, an exception can be made in cases of injuries or deformity. There are multiple providers of Medicare Advantage plans in the country. This includes Humana, which makes high-quality plans available to the public. Some of the pros of Humana Medicare Advantage are:
Focus on veterans
Some plans provided by Humana are more veteran-focused and work with veteran benefits to provide a complete healthcare package for those served.

Wide availability
Humana has Medicare advantage plans available across 2,875 counties of the country and has proved to be one of the topmost options for people across the country.

High-quality plans
This incredible Medicare Advantage plan provider possesses 30 contracts rated 4 stars or higher for 2023. These contracts include all the existing Medicare Advantage members and encompass benefits such as a $0 monthly premium, help with part B reduction, vision insurance, and other fitness programs.

Further, people interested in Medicare are advised to conduct thorough research and consult friends and family members to make an informed decision.