There are a number of medical costs not covered by health insurance — and they come with major costs for consumers. That's according to HealthPocket, who analyzed 11,365 health plans to reveal the most common services not covered by insurance.. "A lack of insurance coverage for widespread conditions like obesity and infertility affects millions of people across the United States," says Kev Coleman, head of research and data at HealthPocket. "Given that most of the medical service exclusions within the Top 10 list can continue after the implementation of health reform, it is vital that consumers closely examine their benefit coverage options when they shop for health insurance this October." Though a couple on the list are expected to improve under the Patient Protection and Affordable Care Act, that greater access will affect kids and not adults, researchers note. To combat this exclusion, experts suggest paying close attention when selecting health plans, buying supplemental coverage — or save to pay up.