A growing number of insurance plans now offer hearing health benefits, but the extent of what's covered varies.
Coverage for hearing aids varies widly. Some plans cover all or most of the cost of hearing aids with minimal out of pocket cost for patients. Others simply offer discounted rates, so the patient pays the entire cost, which is still reduced compared to standard hearing aid pricing.
- Medicare, does not cover the cost of hearing aids. However, Medicare Advantage (Medicare Part C) plans may offer coverage.
- Medicaid coverage for hearing aids varies by state, but in general, Medicaid provides limited coverage for hearing aids. Some states may cover hearing aids for children, while others may also cover them for adults.
- Private insurance providers, may also offer coverage for hearing aids, either partially or entirely, depending on the plan. However, more often than not, when private insurance plans offer hearing aid coverage, it usually comes in the form of a discount program which can be limiting.
- The Veterans Administration (VA) provides hearing aid coverage for eligible veterans. To qualify, however, an audiologist must assess whether the veteran requires hearing aids through a clinical evaluation. If approved for coverage, veterans will not be required to pay for their hearing aids, repairs, or batteries as long as they remain eligible for VA care.
- In some cases, Workers' Compensation may cover hearing aids if the patient's hearing loss was caused by a work-related injury.
- Additionally, Unions and other labor/employer groups may offer coverage for hearing aids or a discount program as part of their benefits
Generally speaking, when it comes to hearing health care, insurance plans vary significantly. Therefore, patients must check their benefits to understand their coverage options.
The good news is there's a simple way to do this.