[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"aem-page-pages\u002Fwhats-not-covered-by-original-medicare-new-learning-hub":3},{"components":4,"disclaimers":85,"annoucementBar":92},[5,30,34,49],{"typename":6,"complianceLinks":7,"navigationLinks":8,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":7,"hours":7,"heading":7,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":7,"bodyCopy":7,"imagePath":16,"alt":17,"images":7,"narrowCallOut":18,"lastPublishedDate":7,"copyright":7,"phoneNumber":7,"cmsId":7,"button":27,"primaryButton":7,"secondaryButton":7,"alertBar":7,"articleCardList":7,"iconTextCardList":7,"headline":7,"rowsList":7},"HeaderModel",null,[9,13],{"text":10,"target":11,"href":12,"parentText":7},"Learning Hub","_self","\u002Flearning-hub",{"text":14,"target":11,"href":15,"parentText":7},"About Us","\u002Fabout-us","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FRelianceMALogo?fmt=png-alpha","Reliance Brand",{"firstLevelHeading":19,"secondLevelHeading":20,"hoursOfOperation":21,"ttyNumber":22,"iconPath":23},"Need help?","Call a licensed sales agent","Sun - Sat, 7 a.m. - 10 p.m. ET.","711",[24],{"alt":25,"imagePath":26},"Call Phone","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FcallPhone?fmt=png-alpha",{"text":28,"colorClass":29},"Search plans","primary",{"typename":31,"complianceLinks":7,"navigationLinks":7,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":7,"hours":7,"heading":7,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":7,"bodyCopy":32,"imagePath":7,"alt":7,"images":7,"narrowCallOut":7,"lastPublishedDate":7,"copyright":7,"phoneNumber":7,"cmsId":7,"button":7,"primaryButton":7,"secondaryButton":7,"alertBar":7,"articleCardList":7,"iconTextCardList":7,"headline":7,"rowsList":7},"TextBlockModel",{"html":33},"\u003Ch1>What’s not fully covered by Original Medicare?  \u003C\u002Fh1>\n\u003Cp>Certain services like routine dental, vision, prescription drugs (Part D), and other benefits are not covered by Original Medicare. There are also deductibles and copays on some medical coverage. \u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Ch2>Prescriptions  \u003C\u002Fh2>\n\u003Cp>With few exceptions, Original Medicare Parts A and B don’t cover prescription drug costs. You should get prescription drug coverage as soon as you’re eligible for Medicare, unless you have creditable drug coverage that is as good as Medicare’s from somewhere else. This could be with a spouse’s employer-sponsored health plan. If you enroll later, you may be subject to a late enrollment penalty.    \u003C\u002Fp>\n\u003Cp>There are two options for Prescription Drug coverage, also known as Part D. The first is a stand-alone Part D Prescription Drug plan, which can only be added to: \u003C\u002Fp>\n\u003Cul>\n\u003Cli>Original Medicare \u003C\u002Fli>\n\u003Cli>Some Medicare Cost Plans \u003C\u002Fli>\n\u003Cli>Some Private Fee-for-Service (PFFS) Plans  \u003C\u002Fli>\n\u003Cli>Medicare Medical Savings Account (MSA) Plans \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You can enroll in a Medicare Advantage Prescription Drug plan, which combines all the benefits of Part A and Part B coverage with Prescription Drug coverage (Part D). You’ll get your Part A and Part B coverage through the plan instead of Original Medicare. Without this coverage, you could have to pay 100% of the cost of your prescriptions. \u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Ch2>Dental \u003C\u002Fh2>\n\u003Cp>Original Medicare does not cover most dental care, but you can get separate dental coverage from a private insurance company. If you choose not to purchase dental insurance, you could have to pay 100% of the cost of your dental care.  \u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Ch2>Vision \u003C\u002Fh2>\n\u003Cp>Part B covers a simple vision test as part of the “Welcome to Medicare” visit, but it’s only offered once during your first year of Part B coverage. Part B also covers a yearly eye exam for those living with diabetes to check for diabetic retinopathy, as long as it’s done by a licensed eye doctor.\u003C\u002Fp>\n\u003Cp>Eye exams for diagnostic purposes, such as testing for glaucoma or macular degeneration, may also be covered. If treatment may improve a chronic eye condition and is viewed as necessary by a physician participating in Medicare, Part B may cover it. You’ll need to check with your doctor to see if your condition is deemed medically necessary.   \u003C\u002Fp>\n\u003Cp>Most regular vision care, like routine eye exams, eyeglasses, contacts, and elective vision correction procedures, won’t be covered by Original Medicare. You can purchase separate vision coverage from a private insurance company. If you choose not to purchase vision coverage, you could have to pay 100% of the cost of your vision care.\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Ch2>Hearing \u003C\u002Fh2>\n\u003Cp>Part B covers diagnostic hearing and balance exams if ordered to determine whether medical treatment is needed. However, Original Medicare does not cover hearing exams, hearing aids or fittings. You can purchase separate hearing coverage from a private insurance company. If you choose not to purchase hearing coverage, you could have to pay 100% of the cost of your hearing care.  \u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Ch2>Personal assistance  \u003C\u002Fh2>\n\u003Cp>Original Medicare covers some in-home health services, like skilled nursing care, physical therapy, speech pathology, and occupational therapy. Original Medicare will not pay for 24-hour in-home care or meals delivered to you at home. If your in-home care needs are more than what can be classified as part-time or intermittent skilled nursing care, they may not be covered.\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Ch2>Cost without insurance for all items \u003C\u002Fh2>\n\u003Cp>You may be responsible for paying 100% of the cost of services that aren’t covered by Original Medicare including most prescription drugs, dental, vision, hearing, and certain in-home care.\u003C\u002Fp>\n\u003Cp>This is not a full summary of Original Medicare coverage, benefits, and costs. For a full list of covered services use the “Is my test, item, or service covered?” search tool on Medicare.gov.\u003C\u002Fp>\n",{"typename":35,"complianceLinks":7,"navigationLinks":7,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":7,"hours":7,"heading":36,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":7,"bodyCopy":7,"imagePath":7,"alt":7,"images":7,"narrowCallOut":7,"lastPublishedDate":7,"copyright":7,"phoneNumber":7,"cmsId":7,"button":7,"primaryButton":7,"secondaryButton":7,"alertBar":7,"articleCardList":37,"iconTextCardList":7,"headline":7,"rowsList":7},"SidebarArticleListContainerModel","More in Coverage Articles",[38,44],{"imagePath":39,"imageAltText":40,"ctaText":7,"ctaLink":7,"bodyCopy":7,"date":7,"eyebrow":41,"heading":42,"headingLink":43},"https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FAdobeStock_123212582-1?fmt=png-alpha","Pharmacist assisting senior man with medication","Article","Medicare Advantage drug tiers and drug payment stages","\u002Flearning-hub\u002Fcoverage\u002Fdrug-tiers-initial-coverage",{"imagePath":45,"imageAltText":46,"ctaText":7,"ctaLink":7,"bodyCopy":7,"date":7,"eyebrow":41,"heading":47,"headingLink":48},"https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FAbout?fmt=png-alpha","Senior woman using laptop on sofa","Planning for your out-of-pocket costs","\u002Flearning-hub\u002Fcoverage\u002Fplanning-for-out-of-pocket-costs",{"typename":50,"complianceLinks":51,"navigationLinks":58,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":7,"hours":7,"heading":7,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":69,"bodyCopy":7,"imagePath":16,"alt":17,"images":7,"narrowCallOut":79,"lastPublishedDate":82,"copyright":83,"phoneNumber":7,"cmsId":84,"button":7,"primaryButton":7,"secondaryButton":7,"alertBar":7,"articleCardList":7,"iconTextCardList":7,"headline":7,"rowsList":7},"FooterModel",[52,55],{"typename":7,"text":53,"href":54,"target":11},"Privacy Policy","\u002Fprivacy-policy",{"typename":7,"text":56,"href":57,"target":11},"Washington MHMD Notice","\u002Fwashington-mhmd-notice",[59,62,66,68],{"text":60,"target":11,"href":61,"parentText":7},"Find Plans","#find-plans",{"text":63,"target":64,"href":65,"parentText":7},"Shop by benefit","_blank","\u002F",{"text":67,"target":64,"href":15,"parentText":7},"About Reliance",{"text":10,"target":64,"href":12,"parentText":7},[70,73,76],{"alt":71,"imagePath":72},"Facebook","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002Ffacebook-2?fmt=png-alpha",{"alt":74,"imagePath":75},"Instagram","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FInstagram?fmt=png-alpha",{"alt":77,"imagePath":78},"Twitter","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FXTwitter?fmt=png-alpha",{"firstLevelHeading":19,"secondLevelHeading":20,"hoursOfOperation":21,"ttyNumber":22,"iconPath":80},[81],{"alt":25,"imagePath":26},"2026-10-01","© Reliance Medicare Advisors 2026","MULTIPLAN_GHHMQ6FEN_2027_WEB_V1_M",[86],{"disclaimerCopy":87,"dropdownTitle":89,"dropdownCopy":90},{"html":88},"\u003Cp>Innovative Financial Group is a licensed representative of Medicare Advantage organization and stand-alone PDP prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. Reliance Medicare Advisors is owned and operated by Innovative Financial Group (IFG), a licensed insurance agency and Humana Inc. Reliance Medicare Advisors is not affiliated with or endorsed by any government agency.\u003C\u002Fp>\n\u003Cp>Reliance Medicare Advisors represents Medicare Advantage HMO, PPO, PFFS, and PDP organizations that have a Medicare contract or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.\u003Cbr>\n\u003Cbr>\nWe do not offer every plan available in your area. Currently we represent ##carriers## organizations which offer ##products## products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.\u003C\u002Fp>\n\u003Cp>If you are turning 65, otherwise new to Medicare, losing benefits at work, moving, or have both Medicare and Medicaid you may be eligible. Other circumstances may qualify you as well.\u003Cbr>\n\u003Cbr>\nCosts, coverage, and benefits vary by location. These premiums and benefits may not be available on all Medicare Advantage plans. There may be no plan in your service area that includes all of these benefits.\u003Cbr>\n\u003Cbr>\nReliance Medicare Inc. and its subsidiaries comply with applicable Federal civil rights laws and do not discriminate or exclude people because of their race, color, religion, gender, gender identity, sex, sexual orientation, age, disability, national origin, military status, veteran status, genetic information, ancestry, ethnicity, marital status, language, health status, or need for health services. We also provide free language interpreter services. See our full accessibility rights information, non-discrimination disclosure, and language options.\u003C\u002Fp>\n\u003Cp>For Aetna: The benefit(s) mentioned are part of special supplemental benefits for the chronically ill (SSBCI). SSBCI conditions include but are not limited to: hypertension, hyperlipidemia, diabetes, cardiovascular disorders, and chronic lung disorders. Eligibility is determined by whether you have a chronic condition associated with the benefit(s) and you meet all other criteria. Even if you have a listed chronic condition, you may not necessarily receive the benefit because other eligibility and coverage criteria may apply. Standards and conditions vary for each benefit. Contact us to confirm the specific SSBCI condition requirements for the benefit(s) for this plan and determine your eligibility.\u003C\u002Fp>\n\u003Cp>For Aetna: The Aetna C-SNP is available to Medicare members who have at least one of the qualifying chronic conditions. To ensure a successful enrollment process, we’ll confirm with your healthcare provider that you have one of these eligible conditions. If verification of eligible condition is not received, involuntary disenrollment will occur.\u003C\u002Fp>\n\u003Cp>Reliance Standard Life Insurance Company and its affiliated brand, Reliance Matrix, are not affiliated, authorized, endorsed by, or in any way connected with Reliance Medicare Advisors or any of its subsidiaries or affiliates, and are not involved in the services, products, or operations offered by Reliance Medicare Advisors.\u003C\u002Fp>\n\u003Cp>Not all plans offer all benefits mentioned. Benefits may vary by carrier and location. Deductibles, copays, and coinsurance may apply. Limitations and exclusions may apply. $0 premium plans are not available in all areas.\u003C\u002Fp>\n","Pre Zip Code",{"html":91},"\u003Cp>Innovative Financial Group is a licensed representative of Medicare Advantage organization and stand-alone PDP prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. Reliance Medicare Advisors is owned and operated by Innovative Financial Group (IFG), a licensed insurance agency and Humana Inc. Reliance Medicare Advisors is not affiliated with or endorsed by any government agency.\u003C\u002Fp>\n\u003Cp>Reliance Medicare Advisors represents Medicare Advantage HMO, PPO, PFFS, and PDP organizations that have a Medicare contract or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.\u003Cbr>\n\u003Cbr>\nWe do not offer every plan available in your area. Currently we represent 6 organizations which offer 3,398 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.\u003C\u002Fp>\n\u003Cp>If you are turning 65, otherwise new to Medicare, losing benefits at work, moving, or have both Medicare and Medicaid you may be eligible. Other circumstances may qualify you as well.\u003Cbr>\n\u003Cbr>\nCosts, coverage, and benefits vary by location. These premiums and benefits may not be available on all Medicare Advantage plans. There may be no plan in your service area that includes all of these benefits.\u003Cbr>\n\u003Cbr>\nReliance Medicare Inc. and its subsidiaries comply with applicable Federal civil rights laws and do not discriminate or exclude people because of their race, color, religion, gender, gender identity, sex, sexual orientation, age, disability, national origin, military status, veteran status, genetic information, ancestry, ethnicity, marital status, language, health status, or need for health services. We also provide free language interpreter services. See our full accessibility rights information, non-discrimination disclosure, and language options.\u003C\u002Fp>\n\u003Cp>For Aetna: The benefit(s) mentioned are part of special supplemental benefits for the chronically ill (SSBCI). SSBCI conditions include but are not limited to: hypertension, hyperlipidemia, diabetes, cardiovascular disorders, and chronic lung disorders. Eligibility is determined by whether you have a chronic condition associated with the benefit(s) and you meet all other criteria. Even if you have a listed chronic condition, you may not necessarily receive the benefit because other eligibility and coverage criteria may apply. Standards and conditions vary for each benefit. Contact us to confirm the specific SSBCI condition requirements for the benefit(s) for this plan and determine your eligibility.\u003C\u002Fp>\n\u003Cp>For Aetna: The Aetna C-SNP is available to Medicare members who have at least one of the qualifying chronic conditions. To ensure a successful enrollment process, we’ll confirm with your healthcare provider that you have one of these eligible conditions. If verification of eligible condition is not received, involuntary disenrollment will occur.\u003C\u002Fp>\n\u003Cp>Reliance Standard Life Insurance Company and its affiliated brand, Reliance Matrix, are not affiliated, authorized, endorsed by, or in any way connected with Reliance Medicare Advisors or any of its subsidiaries or affiliates, and are not involved in the services, products, or operations offered by Reliance Medicare Advisors.\u003C\u002Fp>\n\u003Cp>Not all plans offer all benefits mentioned. Benefits may vary by carrier and location. Deductibles, copays, and coinsurance may apply. Limitations and exclusions may apply. $0 premium plans are not available in all areas.\u003C\u002Fp>\n",{"type":7,"bodyCopy":93,"iconPath":7,"tooltipTile":7},{"html":94},"\u003Cp>Reliance Medicare Advisors is an insurance agency with no government affiliation\u003C\u002Fp>\n"]