Among the close to 35 million Americans (almost 11% of the population) struggling with ear-related health issues, hearing aids offer the best solution. Those who seek this form of treatment pay more than $2700 on hearing aids, with one out of every six investing more than $5000. Those figures represent a sizable expense for most of us. That’s why “Will my insurance cover my hearing aids?” is among the most common questions we hear. Since many variables are involved in answering that question, here is a basic outline of what you can expect from insurance when it comes to hearing aid coverage.
Which variables are involved in determining coverage?
There are several variables involved in determining whether or not your insurance will provide any benefit when it comes to paying for hearing aids, including:
• Where you live
• Your type of coverage
• Whether you are reactive or proactive when it comes to hearing care insurance coverage
Only insurance companies in Arkansas, New Hampshire, or Rhode Island have a legal obligation to include hearing aid coverage for eligible adults in their packages. Outside of those states, your basic insurance coverage will not include paying out a benefit for hearing aid costs. However, if you took a proactive approach to hearing care insurance coverage, you may have added a hearing care rider to your policy. If you did, you could expect some type of limited or full benefit.
Medicare and Medicaid
When it comes to Medicare, the bottom line is that they provide NO coverage for hearing tests or hearing aids. Medicaid coverage, on the other hand, varies from one state to another. Medicaid in California, according to Hearing Loss Association of America, does provide coverage with some limitations for the following:
• Hearing exams, hearing aids, repair, and part replacement
• Replacement of lost, stolen, or irreparably damaged hearing aids and earmolds
• Testing, exam, or follow-up for cochlear implants
Affordable Care Act Coverage
Similar to Medicaid, some states offer coverage for hearing aids and/or related expenses under the Affordable Care Act (ACA), but others do not. Residents of California insured by ACA should expect to receive no benefits to cover the cost of hearing aids or hearing care.
Veterans (VA) Benefits
Suppose you are able to associate the cause of your hearing loss to activities related to active duty in the military. In that case, you are eligible to receive VA benefits for it. You will have to provide evidence that the condition causes direct interference of daily living tasks, and you may receive your hearing aids directly from a VA facility.
Federal Employee Assistance
Federal employees and their spouses can expect coverage for hearing aids through the Federal Employee Assistance program. The program will pay for the cost of basic hearing aids while allowing the employee or spouse to deduct payment for extras and upgrades from their pay packet.
Various Types of Savings Accounts
One of the most important investments you can make in future hearing care includes saving for the eventuality that you might require hearing aids. This proactive approach to making sure that you have funds to purchase the devices requires placing enough money in Flexible Spending Accounts (FSA), Health Savings Account (HSA), or Health Reimbursement Account (HRA) ahead of time to cover the costs.
Gold Country Hearing Will Check Your Insurance Coverage
Insurance companies can overwhelm and frustrate you with their information and jargon, making it difficult for most people to understand whether they have coverage. At Gold Country Hearing, we are committed to making certain that our patients have every opportunity to enjoy hearing aids’ benefits by making it as easy as possible to pay for them. As a part of our commitment to our patients in the Rocklin, Lodi, Grass Valley, and Sacramento communities, we have an insurance specialist on staff to check on your insurance coverage for you. Contact us to take advantage of this service or submit the form below, authorizing our coverage expert to inquire on your behalf.