The Major Medical Medicare Supplement Plan does not cover some expenses.  These include, but are not limited to, charges for:

• routine health checkups
• treatment in a skilled nursing facility, nursing home, convalescent home, or similar institution
• dental services, except for treatment by a physician, dentist, or dental surgeon as a result of accidental injury to natural teeth and received within six months of the accident while insured under the Plan
• cosmetic surgery or treatment except as required to correct damage caused by an accident while insured
• smoking cessation programs and treatment of nicotine addiction
• acupressure, hypnotism, rolfing, massage therapy, acupuncture, and other forms of alternative treatment
• repair, replacement or duplicate prosthetic or durable medical equipment
• experimental or investigational services and unproven services are excluded.  The fact that an experimental or investigational service or an unproven service, treatment, device or pharmacological regimen is the only available treatment for a particular condition will not result in benefits if the procedure is considered to be experimental or investigational or unproven in the treatment of that particular condition
• health services received after the date your coverage under the plan ends, including health services for medical conditions arising before the date your coverage under the Plan ends
• health services provided in a foreign country, unless required as emergency health services. An emergency medical condition is one that manifests itself by symptoms of sufficient severity and potentially results in placing the person’s life in serious jeopardy, serious impairment of bodily functions or dysfunction of any bodily organ or part
• eyeglasses, hearing aids and related examinations
• treatment of any injury or sickness caused by an act of war
• services which do not require payment
• treatment received before the effective date of coverage under this Plan
• services to the extent they are covered by any government plan
• services prohibited by law or regulation of any government
• treatments for which automobile no-fault benefits are payable
• health services and associated expenses for the surgical treatment and non-surgical medical treatment of obesity, including morbid obesity
• expenses above Reasonable and Customary Charges.

“Reasonable and Customary Charge” is defined in the Glossary.