One of the first things you probably want to know when considering a Medicare plan is what it covers. That makes perfect sense, but it’s important to know what Medicare doesn’t cover, as well. Those numbers can add up.
For example, you might be surprised to learn that Original Medicare offers limited coverage for most dental services,1 most corrective lenses2 or hearing aids.3 So if a dental visit for a toothache turns into a $1,000 bill for a root canal, you’ll pay that out of pocket.
And the next time you really can’t find your glasses? Yep, you’ll be paying out-of-pocket for a new pair.
Add to that out-of-pocket costs for plan copays, deductibles and monthly premiums and you might start feeling the pinch.
An unexpected illness or injury requiring a hospital stay can send those numbers through the roof.
Medicare Advantage (offered by private insurers like Humana)
Medicare Advantage (offered by private insurers like Humana)
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Part C premium
Part C premiums, deductibles and copays vary by plan.
Compare costs for Humana’s Medicare Advantage (Part C) plans.
Annual maximum out-of-pocket costs
All Medicare Advantage plans offer an annual maximum out-of-pocket limit.
*A benefit period begins the day you're admitted as an inpatient in a hospital or skilled nursing facility (SNF). The benefit period ends when you haven't gotten any inpatient hospital care (or skilled care in a SNF) for 60 days in a row. If you go into a hospital or a SNF after 1 benefit period has ended, a new benefit period begins. You must pay the inpatient hospital deductible for each benefit period. There's no limit to the number of benefit periods. Having to spend time in the hospital several times over the course of a single year can also increase these costs.