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Choosing a health insurance plan is often a balancing act of comparing premiums, deductibles, and doctor networks. Understanding the fine print of your health insurance benefits before committing is crucial to getting the care you need, especially when you’re seeking care for your hearing health.
Read on to learn what to consider when reviewing potential healthcare plans.
Never assume that standard medical plans automatically cover hearing aids. While most evaluations related to hearing, hearing loss, dizziness, and tinnitus are covered, hearing aids frequently are not. When reviewing a Plan Summary, look specifically for the following words:
It’s important to know if hearing aids are covered and if so, what the coverage entails (or leaves out). You’ll also want to determine if the plan includes preventive care coverage for a baseline hearing screening during your annual physical, or if diagnostic audiological exams are covered when recommended by a doctor.
Even if a plan lists hearing benefits, the associated costs can vary widely. To understand what you’ll actually pay for services, here are a few key insurance terms:
Out-of-network coverage refers to medical services received from doctors or facilities that do not have a contract with your health insurance plan.
Most plans negotiate lower rates with specific doctors and clinics, making them “in-network.” Using these in-network providers generally results in the lowest costs for you.
Many plans will pay significantly less, or nothing at all, if you see an audiologist not contracted with the insurance company, leading to higher out-of-pocket costs.
If you know or suspect that you need hearing aids, this is the most critical section to review. Adult hearing aid coverage is highly variable. While Original Medicare does not cover hearing aids, there are options available to you, including Medicare Advantage plans.
When checking for device coverage, look for these potential hurdles:
Consider the following when choosing a new health insurance plan that offers comprehensive hearing benefits:
Prior Authorization: Check whether you need a referral from your primary care doctor or pre-approval from your insurance company before booking an audiology appointment. This may depend on the type of appointment you’re trying to book.
For many Americans, hearing coverage doesn't come directly from their primary insurance company; it comes through a third-party administrator (TPA), like Amplifon Hearing Health Care.
There’s major benefits to having Amplifon Hearing Health Care coverage. As a dedicated TPA, we offer in-depth hearing health care expertise, navigating its ever-changing research and regulations, so you get the best care possible. What’s more, Amplifon’s highly qualified, nationwide provider network ensures that you’re getting excellent care that puts your needs first.
Use the Clinic Locator Tool to find an authorized and close-by clinic that's ready to get you the care you deserve.
Amplifon also negotiates strict pricing with hearing aid manufacturers. This lowers costs, meaning you can get access to high-tech hearing aids at significantly discounted prices below retail.
Amplifon plays a vital role in making hearing care affordable by negotiating lower rates for hearing aids. With our team of experts on your side, we can help you navigate the system confidently and get the support you need.
Reviewing insurance documents can be tedious, but understanding these details empowers you to make the right choice for your hearing health. The experts at Amplifon Hearing Health Care understand how confusing insurance can be, and we’re here to help. Our program exists to help you prioritize your hearing health.
Request an appointment at a hearing care provider near you.
