Navigating the world of health insurance can be tricky, especially when certain services and treatments fall through the cracks. Even with comprehensive plans like HumanaCo supplement medicare plan b or medicare plan d, there are surprising gaps in coverage that can leave you footing the bill. Here are seven shocking things that might not be covered by your health insurance, along with some tips on what to consider when shopping for a plan.

1. Alternative therapies

Many people turn to alternative therapies like acupuncture, chiropractic care, or herbal treatments for a more holistic approach to health. Unfortunately, most standard health insurance plans do not cover these types of treatments. While some plans might offer limited coverage, it’s essential to check the specifics. If alternative therapies are important to you, consider looking for plans that specifically include these services or offer discounts through wellness programs.

2. Cosmetic procedures

Whether it’s a nip, tuck, or a little filler, cosmetic procedures are typically not covered by health insurance. These are considered elective procedures and are not deemed medically necessary. However, there are exceptions if a procedure is required for reconstructive purposes after an accident or illness. If you’re considering cosmetic surgery, it’s crucial to budget for these expenses out of pocket or look into specialized insurance plans that may offer some coverage for reconstructive procedures.

3. Dental and vision care

Surprisingly, dental and vision care are not included in most standard health insurance plans. Regular check-ups, glasses, and dental work can add up quickly. Many people are unaware of this gap until they need care. To avoid unexpected costs, consider adding a separate dental and vision plan or exploring comprehensive packages that include these services. Medicare plan d, for instance, may offer some additional options to consider.

4. Hearing aids

Hearing aids can be life-changing, but they come with a hefty price tag. Unfortunately, most health insurance plans do not cover the cost of hearing aids, leaving many to pay out of pocket. If hearing health is a concern, look for insurance plans that offer hearing aid discounts or coverage. Some Medicare plans may provide options for those who qualify, so it’s worth exploring these avenues.

5. Long-term care

Long-term care, such as nursing home stays or in-home care for chronic illnesses, is not typically covered by health insurance. This can be a significant financial burden for individuals and families. To prepare for potential long-term care needs, consider purchasing a separate long-term care insurance policy. This can help cover costs and provide peace of mind should the need arise.

6. Experimental treatments

When facing serious health conditions, experimental treatments might be the best or only option. Unfortunately, these treatments are often not covered by insurance as they are not considered standard care. If you or a loved one is considering an experimental treatment, be prepared for potential out-of-pocket costs. Some plans might offer limited coverage or discounts, so it’s important to review your policy and discuss options with your provider.

7. Travel vaccinations

Traveling abroad can be an exciting adventure, but it often requires vaccinations that are not covered by health insurance. These vaccinations are considered preventive and are not deemed medically necessary for everyday life. If you plan to travel, budget for these vaccinations or look for travel insurance that includes coverage for necessary immunizations.

While these gaps in coverage can be surprising, being informed and proactive can help you avoid unexpected expenses. When reviewing or selecting a health insurance plan, always read the fine print and ask questions about what is and isn’t covered. Consider plans like HumanaCo supplement medicare plan b or medicare plan d for additional coverage options that might better suit your needs. With the right plan, you can ensure you’re covered for the things that matter most to you.