Hearing Aid Insurance Coverage
Does Insurance Cover Hearing Aids?
Before you buy hearing aids, the first step is to see if you have a financial benefit through your health insurance company. But hearing aid insurance isn’t always clear-cut, as not all health insurance plans are created equal. So that’s why we do the work for you.
While many insurance companies unfortunately consider hearing aids elective and offer no hearing aid coverage, some may still cover hearing screenings or tests, or even a portion of hearing aids. Some may offer an “allowance” that acts as a discount off the purchase price, or they may negotiate the cost with the hearing aid provider. It all depends on your individual plan and your respective state’s healthcare policies.
The good news is we work with all the major health insurance companies to maximize your in- or out-of-network benefits to help you save as much as you can.
We’ve made it easy for you to get the answers. All you need to do is click below to fill out our hearing aid insurance questionnaire. One of our hearing care insurance experts will then contact you and your insurance company to determine your level of coverage.
Does Medicaid and Medicare Cover Hearing Aids?
Medicaid often provides coverage for a portion of the cost of hearing aids, but this coverage varies from state to state. Medicaid is required to pay for hearing screenings and other hearing-related tests for those who are 21 and younger. However, this coverage is no longer applicable for individuals who are over the age of 21.
Medicare does not cover the costs of hearing aids. However, if a PCP Referral is provided to the audiologist, Medicare will cover the cost of your hearing tests. Additionally, if you have a Medicare Advantage Plan, other options might be available to you.
Flexible Spending and Health Savings Accounts
Most employers today offer Flexible Spending and Health Savings Accounts as part of your health insurance benefits package. You may even still have a Health Savings Account from a previous employer. Both types of accounts allow you to save money tax-free for qualified medical expenses — which include hearing aids — throughout the year. So even if you don’t have hearing aid insurance coverage, you can still save a bundle with your tax-free savings.
Financing Options
If you don’t have insurance coverage or other benefits for hearing aids – whether private or public – we’ll work to maximize savings wherever we can. We’ll walk you through our flexible financing options that can help you find an affordable option to pay for your devices over 12-60 months.
Our Best Financed Hearing Aid Recommendations
Two of the best hearing aids on the market today include the Horizon Go IX and the Horizon Mini IX, both which are part of the exclusive Horizon line of hearing aids by hear.com. No matter if you have mild or severe hearing loss, one of these state-of-the-art devices is sure to work for you.
Resources
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