Hearing instruments are a smart investment for those with hearing loss. However, many people have important questions they would like answered before they make their purchase. First time hearing instrument buyers that are over the age of 65 want to know if Medicare pays for hearing aids. Others question if their supplemental insurance company’s plan has any hearing benefits and what they are. Here are the answers to these and few other commonly asked questions regarding insurance.
1. Will my supplemental insurance cover hearing aids?
The answer to this question depends on your specific insurance plan. Some insurance plans have a dollar amount they will provide and others offer discount programs. A good idea is to have a hearing provider call and verify your benefits for you. You can also find out your benefits yourself by calling the member number on your health insurance card. Ask them what your benefits are and if you have a deductible that has to be met. Blue Cross Blue Shield-Federal Employee Program, for example, covers $2500 toward a set of hearing instruments. This benefit may be used every 3 calendar years. For some people, this benefit covers a large portion of their purchase price, if not all.
2. Does Medicare pay for hearing aids?
Unfortunately, Medicare does not cover hearing instruments now and the likelihood that they ever will is virtually nil. Simply put, hearing instruments are not seen as a medical necessity by Medicare. Because of a financially strained system and the increased longevity of today’s senior population, healthcare has to be prioritized.
If you don’t have hearing benefits, don’t panic.
An extraordinary amount of people without insurance currently wear hearing instruments. Easy payment plans and a wide variety of options make better hearing a reality for millions.
3. Are hearing tests covered and will everyone accept my insurance?
Routine hearing tests are generally covered by most insurance plans. Luckily, most hearing aid companies do not charge for evaluations. Private practices usually accept medical insurance; however, it’s important to know that big box stores do not. These stores instead offer cheap devices that feature dated technology. Buyers who have purchased these units eventually realize that they have sacrificed quality and a professional aftercare experience. Since private practices will work with you anyway, it’s best to just start there.
4. How do I file a hearing aid insurance claim?
Providers can verify your insurance hearing benefits during your hearing test. At San Antonio Custom Hearing, we will handle your entire insurance claim for you, including paperwork, submission, and payment. Allowing a professional handle your insurance claim will help maximize your benefit. Plus insurance jargon can be confusing and time-consuming. It usually takes around 30-90 days for your insurance claim to be paid and finalized.
Regardless of if your insurance covers hearing aids or not, it’s easy to get distracted by price. After all, better hearing does require an investment. If you consider the benefit of hearing instruments, it becomes less of an expense and more of an investment in yourself. There are many hearing instrument options and payment plans available to fit anyone’s budget. The best thing to do is have a conversation with a hearing provider during your appointment.
To schedule your free hearing test, call210-268-8229or send us a message:
We are available Monday thru Saturday 10:00 AM – 5:00 PM