In my experience as an audiologist, I've come to understand that the financial aspect of hearing loss treatment, particularly the cost of hearing aids, can often add an additional layer of stress to an already complex situation. Hearing aids, while instrumental in enhancing the quality of life for many, can indeed be a significant out-of-pocket expense. That's where insurance coverage comes in, a factor that can significantly mitigate the financial burden. It's a common question I encounter - what exactly can one expect when it comes to insurance coverage for hearing aids? Let's delve into this critical topic to shed some light on the complexities and nuances of hearing aid insurance coverage.
When looking into hearing aids, it can be hard to sift through so much information. Determining the best option is complex, and you might wonder whether insurance covers the cost.
It can feel overwhelming, but don't worry. In this post, we'll walk you through what you need to know about insurance and hearing aids.
We'll also give you tips on navigating the insurance system so you can make the best decision according to your specific needs and insurance.
Does Insurance Cover Hearing Aids?
The short answer is maybe.
It depends on your individual insurance plan. Some plans do cover hearing aids, but unfortunately, most do not.
That said, there are also a few government-sponsored programs, such as Medicaid, that will help pay for hearing aids and other options for those with constrained budgets.
Background On Insurance and Hearing Aids
Hearing aids are considered "elective" or "cosmetic" devices by most insurance companies, and that means insurance does not always consider them to be medically necessary.
If you are wondering why something that affects your ability to communicate or even guard your safety is considered cosmetic, you are not alone.
Today we know more about untreated hearing loss and its effects on other areas of health, social interaction, and financial wellbeing.
Hearing health-related research and awareness are growing, and there is hope that insurance coverage will expand to include coverage for hearing aids in the future.
However, for those seeking help now, we'll focus on what you can do.
Some private insurance companies offer coverage for hearing aids, though coverage can vary from plan to plan. Currently, there are five states that mandate hearing aid coverage for adults: Arkansas, Connecticut, Illinois, New Hampshire, and Rhode Island. Additionally, specific government programs, such as Medicaid, do provide hearing aids for those who qualify.
If you're unsure whether your current insurance plan covers hearing aids, the best thing to do is call your insurance company and ask.
They will be able to tell you definitively whether or not your plan covers hearing aids.
How to Check Your Insurance For Hearing Aid Coverage
If you have private health insurance, you'll need to check with your insurer to see if hearing aids are covered under your plan. Each plan is different, so it's important to know what your policy covers before making any treatment decisions.
To find out if your insurance covers hearing aids, call the customer service number on the back of your insurance card and ask them the following questions:
· Does my policy cover hearing aids?
· How much will my insurance company pay for hearing aids?
· Do I need to go to a specific clinic or provider?
It's important to check all of this information before getting started with purchasing hearing aids, so you have it for reference later on.
Once you know what your insurance covers (or doesn't cover), you can start exploring your hearing aid options.
Government-Sponsored Hearing Aid Coverage
There are a few government-sponsored programs that will help pay for hearing aids. Medicaid has specific income requirements to qualify. A Vocational Rehabilitation is another option for working-aged adults with hearing loss. To see if you qualify for these programs, contact your state's social services office or visit the website for the Centers for Medicare and Medicaid Services (CMS).
Medicare Advantage Hearing Aid Coverage
Medicare Advantage Plans are offered by private companies that contract with Medicare to provide all of your Part A and Part B benefits. Not all Medicare Advantage Plans offer coverage for hearing aids, so be sure to check with your plan before enrolling.
Humana, Aetna, and United Healthcare offer popular Medicare Advantage plans that may include hearing aids at a reduced price through a third-party payer, discounted hearing aids, or a lower price for specific companies. Third parties, such as TruHearing, can offer quality hearing aids at lower prices. However, this will vary based on the plan, and you'll want to check how much follow-up care is included with this as well. It's always best to check your plan coverage before purchasing any hearing aids.
Pediatric Hearing Aid Coverage
If you're a parent in one of the 20 states that mandate coverage for children's hearing aids, you're in luck. However, if your child needs a hearing aid and you don't live in one of those states, don't worry. You can still do things to help cover the cost of your child's hearing aid.
If your child has a hearing loss, a few government-sponsored programs will help pay for hearing aids, including Medicaid and the Children's Health Insurance Program (CHIP). Each state has different eligibility requirements for these programs, so check with your state's social services office to see if you qualify.
If you're unsure where to start, your best bet is to call your insurance company or state Medicaid office and ask about children's hearing aids coverage. They'll be able to tell you what options are available to you and help you get started on the process.
Conclusion
Treating your hearing loss is vital to your overall health and wellbeing. Cost doesn't have to be an obstacle. There are ways to get the care you need that is affordable for you. We hope this blog post has clarified how to find out if your insurance covers hearing aids and what other options are available to help you pay for them.
If you have any other questions about insurance or hearing loss, feel free to contact us anytime. We're always happy to help!
