Does My Insurance Have a Benefit for Hearing Aids?

Posted on July 1, 2016

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Many of our patients ask this question when it comes time to discuss the selection of hearing aids. Because there are so many insurance plans, it is nearly impossible for any of our staff to have an immediate answer, except for some of the more widely held plans. Here are a few things to keep in mind in regards to insurance coverage for hearing aids.

Medicare (Traditional): Just as Medicare does not pay for eyeglasses, they do not pay anything on hearing aids. With a proper referral from one’s primary care physician, Medicare will cover most (80%) of the charges related to the hearing evaluation.

Medicare Advantage: While many of the Medicare Advantage plans do not have a hearing aid benefit, some do. The better plans have a specific dollar benefit, usually ranging from $1000 – $2000, towards the purchase of a set of hearing devices, renewable every so many months (usually 36 months), and you choose your provider. This includes Medicare Advantage plans for State of Texas retirees. Other Medicare Advantage plans have no benefit, but allow the insured to purchase hearing devices through a “discount network”. These plans limit the insured to certain products, often outdated technology, and do not allow you to freely choose your provider. These plans also limit the level of professional services and amount of office visits with your provider. Lastly, some plans offer the insured discounted hearing devices to be purchased online without any professional services.