As is often said, health insurance is great to have. However, choosing the right plan can be tricky. Thankfully, Aetna open enrollment can help with medical insurance plans comparison, allowing you to choose the option that’s right for you. Still, it’s important to know that there are many things that health insurance will not cover, from certain surgeries to some medications. Thus, Medicare is highly recommended in many cases—such as hearing implants medicare—and there are plenty of medicare supplement plans and options available to choose from, such as Cigna Medicare Plan D. Additionally, useful information is provided by Mutual of Omaha regarding the Medicare enrollment application. However, before signing up for Medicare, it’s important to know what isn’t usually covered by health insurance:

1. Cosmetic surgery

Typically, the only way that cosmetic surgery will be covered by health insurance is if it is believed to be medically necessary. As such, various cosmetic surgeries—breast augmentation, liposuction, facelifts, and dermabrasion, for instance—won’t be covered in most cases.

2. Vision and dental care

While it may come as a shock to many, lots of health care plans provide limited coverage in terms of vision and dental care. Routine dental cleanings, eye examinations for contact lenses or prescription glasses, and cosmetic dental procedures are all examples of care that is often uncovered or covered with limits.

3. Weight loss programs and surgery

Weight loss related needs such as programs, nutritional counseling, and surgery (also known as bariatric surgery), are often uncovered by various health insurance plans. Still, it’s important to check with your insurer to figure out if this is the case, as some insurers do offer coverage. Otherwise, if you feel that receiving weight loss surgery at a private clinic is the best choice for you personally, then there are financing options available for application.

4. Some medications 

Supplements, vitamins, non-prescription drugs, and other over-the-counter medications are not covered by health insurance. Some prescription drugs, too, are uncovered. However, there are a few options available to you if you are in need of a prescription drug that isn’t covered by insurance. For starters, it’s probably best to request that your doctor provide you with a substitute prescription that is covered. If this isn’t possible, a good next step is to request an exception from your insurer on the basis of medical necessity. Finally, if this request is denied for whatever reason, it might be in your best interest to file an appeal with your insurer.

5. Hearing aids

There are many health insurance plans that don’t cover hearing aids. Unfortunately, this means that plenty of individuals go without proper equipment and support in regards to their auditory difficulties. However, The Hearing Loss Association of America works to provide helpful information related to hearing aids, outlining available assistance programs in each state. In addition, a hearing care program is offered by AARP for its members.

6. Non-emergency care abroad

Unfortunately, most health insurance plans don’t extend coverage to non-emergency incidents outside of the United States. Thus, if you’re someone who travels a lot, it’s likely beneficial to look into getting travel medical insurance—that way, you can ensure your safety, be at ease during your time away, and adventure more!

7. Fertility treatments

IVF—also known as in vitro fertilization—and other fertility treatments are usually not covered by health insurance. However, some treatments might be covered, albeit limited and subject to certain conditions. Still, if you’re considering fertility treatments, then it’s always good to check with your health care provider to determine whether or not they will be covered.