Medicare is a federal health insurance program for people with certain disabilities and people over 65. Original Medicare has two main parts: Part A, which covers the cost of inpatient services, and Part B, which covers the cost of outpatient services and certain medical equipment. Although the program is meant to ease the financial burden of medical costs on people, it can be quite complex to navigate. This article explores 11 things that are excluded from Medicare coverage. 1. Medically unreasonable services and supplies Any services and supplies deemed unnecessary or unreasonable for diagnosis or treatment are not covered by Medicare. These may include: Services that could have been furnished at a lower-cost setting (such as at a nursing home) Services that exceed Medicare length of stay limitations Excessive therapy or diagnostic procedures Unrelated screenings, tests, examinations, or therapies (that the patient has no symptoms for) Unnecessary services based on patient diagnosis, such as transcendental meditation Exceptions to this rule include Medicare preventive services, transitional care management, chronic care management, and advance care planning. 2. Opticians and eye exams While Medicare covers ophthalmologic expenses (such as cataract surgery), it does not cover the cost of most vision services, including eyeglasses and contact lenses or routine examinations for prescription and fitting.

One can almost hear the jingling Christmas bells and see the twinkling fairy lights with Christmas not that far away. With it comes the exchange of gifts—an indispensable part of Christmas celebrations. Choosing a gift is about understanding what the receiver wants and likes and combining visual appeal with utility. To help one narrow down the best options, here are a few gifts that are often returned and, thus, should be avoided: 1. Video games Although buying a video game is a good idea for gamers, if one does not have access to the receiver’s game collection, they may end up gifting a game that the receiver already has. Moreover, if one does not have a fair idea about video games, they may end up buying the wrong game, which may not be useful for the recipient. So, it is a good idea to avoid buying a video game if one is unsure of the exact game the recipient wants. 2. Shoes Few things are more pleasant for fashionable individuals than being gifted a pair of elegant shoes. However, buying the right pair of shoes involves many considerations. First, one would have to ensure that the type and design of shoes are in accordance with the recipient’s preferences.

Looking fashionable and sophisticated during the freezing winter months doesn’t have to take a backseat! Saying goodbye to one’s summer wardrobe can be difficult. However, there is nothing quite like the snug, comfortable clothing options available in the winter. As one prepares to swap out their dresses, linen shirts, and shorts with cashmere knits, jumpers, and coats for the winter season, here are a few winter fashion mistakes to avoid: 1. Skipping layers Staying warm is essential to reducing the risk of hypothermia in colder seasons. One of the best ways to do so is by layering. This allows for customization to maintain the right body temperature. When layering, it is important to ensure that the layers are snug and allow air to circulate. This can help improve insulation against the cold. Always ensure that the last layer is the longest and sits well over the other layers; otherwise, one might end up looking frumpy. Keep the following in mind when choosing the layers: Base layer Opt for a snug undershirt as the base layer. This is the first layer of defense against the cold. In cases of temperature shifts, the undershirt can absorb or trap sweat, reducing the risk of shivering or chills.