Finding an insurance company that provides reliable and comprehensive healthcare coverage often feels like walking through a minefield blindfolded. Although we spend more on healthcare insurance in the USA than in any other country in the world, far too often we experience a complete let down when we need the coverage most.

Consequently, we often have to respond to a common question from our Bay area patients: “Will my insurance cover my hearing aids and hearing care?”

 

There is no simple answer to this question, so we have put together some basic information related to insurance coverage of hearing care.

 

Variables Involved in Insurance Coverage for Hearing Care

Whether or not your hearing aids and hearing care are covered comes down to a few variables:

  • Where you live
  • What type of coverage you have
  • Whether you take a reactive (take action when needed) or proactive (prepare in advance) approach to hearing care

Private Insurance

Unfortunately, very few private insurers cover the cost of hearing aids and/or hearing care. Although there is a growing trend to offer more coverage and coverage riders, most still lag behind.

Only Arkansas, New Hampshire, and Rhode Island make it mandatory for insurers to provide coverage for eligible adults, while nearly every state requires hearing care coverage for children under the age of 18.

Medicare and Medicaid

Neither hearing tests nor hearing aids are covered by Medicare. Medicaid provides benefits to cover the cost of a hearing aid in some states but not others. To find out whether your state is included, visit the Hearing Loss Association of America website.

In spite of the lack of coverage provided by Medicare and Medicaid, BCBS, Humana, Aetna, Tri Care, and Cigna among others provide Medicare supplemental coverage plans that do provide varying degrees of coverage under certain plans.

Affordable Care Act

The Affordable Care Act offers subscribers in some states coverage for hearing aids and related expenses just like Medicaid. By visiting their federal site for services provided by the Affordable Care Act, you can learn whether or not your state provides benefits and at what levels.

Veteran (VA) Benefits

If you are one of our nation’s heroes who served in the military and can provide evidence that your hearing loss relates to conditions of your service, there is a strong chance you could be treated at a VA hospital.

Eligible veterans can expect coverage for hearing aids and associated tests from VA facilities as long as your symptoms are severe and interfere with daily living activities.

Federal Employee Assistance

If either you or your spouse is a federal employee, your insurance plan offers some coverage for hearing aids. Your plan will cover the cost of basic hearing aids while employees may choose to pay for extras and upgrades, which can be deducted from your pay packet.

Health Savings Accounts

A more proactive approach to ensuring the availability of funds to cover hearing aids and hearing care includes having a contingency cash reserve to protect you from unavoidable pay-outs like hearing aids.

Various savings accounts allow you to plan ahead for a future need for hearing aids and hearing care.

  • Flexible Spending Accounts (FSA) allow you to use funds for out-of-pocket medical expenses, including hearing aids, and batteries qualify for reimbursement.
  • Health Savings Account (HSA), similar to FSAs, cover the costs of hearing aids and batteries, but your HSA accumulates from year to year, allowing you to save toward the cost of a new device.
  • Health Reimbursement Accounts (HRA) are set up and funded by your employer, which means your employer decides whether hearing aids and batteries are reimbursable.

Hearing and Balance Doctors Can Check Your Insurance for You

Hearing aids and hearing care are an essential element to better overall health, but few insurance companies provide coverage for them. In order to encourage you to take advantage of the great benefits available from better hearing care, Park Place Hearing will check your insurance coverage for you.

Whether you are in Petaluma, San Rafael, or any of their surrounding communities, just contact us with your policy information and our insurance specialist will check into your coverage and then call you with what they find.

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Dennis Tobin, HIS

Dennis Tobin, HIS

Dennis is the owner of Park Place Hearing Center and is a Hearing Aid Specialist. Dennis has been in the hearing healthcare field for over 27 years. His father and grandfather also worked in the hearing industry. He brings a wealth of new knowledge and expertise to the Petaluma community. Dennis has dedicated his life to help people with hearing loss realize a better quality of life.
What ReSound Hearing Aids Can Do for You

ReSound is among the hearing aid manufacturers that provide the instruments you can choose from. Since their beginning in 1943, they have grown to provide their hearing aids in over 80 countries worldwide.

Direct Android and iPhone connectivity to hearing aids using 2.4 GHz technology was first developed by ReSound.  As a member of GN Group, they contribute to deep research and development of medical, professional, and consumer audio solutions, providing innovative devices for the med-tech, hearables, and intelligent audio industries.

Regardless of the style you choose, greater performance from micro-digital technology along with greater discretion and Bluetooth streaming to your smartphone are advantages of ReSound devices.

Remote Assist

An additional advantage, which became extremely important as hearing aid patients were unable to attend in-office visits due to COVID-19 restrictions, is ReSound’s Remote Assist support program. This feature allows you to connect with your hearing care provider using teleaudiology regardless of where you are, allowing for the necessary support and adjustments to your device from a remote location.

What Starkey Hearing Aids Can Do for You

Starkey hearing aids are relatively new when their history is compared to other hearing aid manufacturers, beginning in 1970. However, Starkey has provided hearing instruments for five U.S. presidents, two popes, Mother Teresa, Nelson Mandela, and other notable leaders. Starkey emerged in 2017 as a leader in the use of artificially intelligent hearing aids.

In 2014, Starkey introduced Halo as their answer to iPhone connectivity along with producing more natural sounding clarity. The development of Livio AI enabled hearing aids to track physical activity and cognitive health using embedded sensors combined with artificial intelligence. Livio AI allows for auto adjustment to various environmental settings, language translation, fall detection and alerts, tap control, and a variety of additional features.

Starkey provides advantages in sound clarity—especially with TV, telephone, and music streaming—a more natural sound, and smartphone connectivity with advanced overall health integrative features.

Changing People’s Lives With Technology

Oticon constantly work towards their vision of a world where hearing loss is no limitation. They innovate life-changing technology and are known for outstanding sound quality, reliability, and ease-of-use.

They achieve this through pioneering cutting-edge technology and never compromising on quality.