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Hearing Aid Insurance

Hearing Aids and Insurance: What You Should Know

Hearing loss affects about 50 million Americans. For many, you can use hearing aids to help your hearing issues. If you use hearing aids, you may wonder if insurance covers them. You may also wonder if there are other ways to help save money. Below, we discuss what you should know about hearing aids and insurance.

Does Insurance Usually Cover Hearing Aids

Most health insurance policies do not cover hearing aids. Some providers offer premium coverage that includes vision, dental, and hearing. With this, they may cover fittings for new hearing aids. They may also cover any related testing.

Be sure to check what's included in your current health insurance plan. There's a number on the back of your card. Use this to talk to your insurance provider about your plan. Talking to an insurance representative gives you a chance to ask questions about:

  • What kind of supplemental coverage you can have
  • Any limits that may apply with hearing, vision, or dental coverage
  • How the process works if you have coverage for hearing aids

Some health insurance plans have coverage limits. This number is the amount that they can cover for hearing aids. For some, you may have to pay any amount above $1,000. Also, some insurers need plan participants to buy hearing aids from certain providers. You may also need to do this to get a discount on your hearing aids. Plus, some states need insurance providers to include hearing-related coverage.

See What Options Your Employer Offers

Depending on the insurance you have with your employer, you may be able to get help paying for hearing aids. With Blue Cross/Blue Shield, you may have the Federal Employee Health Benefit Program. With this program, you would receive up to $2,500 for hearing aids every three years.

What about Medicare and Medicaid?

Hearing aids aren't usually covered by Medicare. But, if you have certain Medicare supplement plans, you may have some hearing coverage. With Medicaid, coverage varies by state. In Florida, for instance, Medicaid can reimburse you for these hearing-related services:

  • Hearing screenings
  • Testing services
  • Hearing devices

Consider Financing and Other Sources

If you have limited insurance options, look for other sources of financial help. Beltone, for example, offers reasonable financing options at most locations for hearing aids. Besides financing, other insurance alternatives include:

  • Workers' compensation if your hearing loss is from your job
  • Social security benefits
  • Charitable programs
  • State vocational rehabilitation programs
  • The AUDIENT program for qualifying low-income individuals – call (866) 956-5400 x2 for details
  • Easter Seals

Call Us Today

If you have hearing loss, reach out to Beltone of Northwest Florida. Our hearing care team is here to help you understand your insurance. If hearing aids can help you, we'll discuss your payment options. Contact our hearing care specialists today to set up an appointment.

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