Hearing Aid Coverage Through Your Health Insurance Policy
There is a lot of talk about a hearing aid being covered by a health insurance company. While some plans offer coverage, others only offer discounts. Even in the case of a child needing assistance, there could be some complications getting any sort of help. Many states are currently attempting to create legislation that would require insurance companies to offer some type of coverage, especially for children.
If your insurance company offers full coverage for a hearing aid, be sure to take advantage. Millions of people every year struggle with the ability to hear and do not have the resources to go out and get assistance. The process starts with getting testing to see how much loss has occurred and what type of equipment will be best for the situation. Be sure to keep all documentation showing that you need an assistive listening device. There is a chance that you will need to show it at a later date.
Along the way, make sure that you keep in contact with your insurance company. You may need to call before you purchase the hearing aid. Find out what type of coverage you have. The entire cost of the equipment may be handled, or you may need to have some type of copay or deductible. Either way, you want this information in advance. Finally, you want to figure out if you need to pay out of pocket and get reimbursed or if the insurance company will pay the provider directly.
If your health insurance offers a discount, be sure to take advantage. Make sure that you understand all of the details. In most cases, you will need to set up an assessment first to try and find out exactly what you need. From there, you may need to purchase through a specific retailer that works with your health insurance provider. Just like a person who receives full coverage, it is a good idea to keep a copy of all paperwork and documentation.
Call to find out about your discount, where you can go and how the process will work. You may be required to pay in full and receive a reimbursement for a portion of the expense. Also, if your policy includes a discount, check to see if there is a way to upgrade or add on coverage for this type of equipment in the future.
Purchasing a hearing aid is a real investment, whether your health insurance covers it or not. Be sure to shop around to find the best prices and the best deals. Many times, the equipment will come with a warranty as well as a few years of free adjustments and cleanings.
by: Abigail Aaronson