Insurance of hearing aids

If you or your friends or family members are about to purchase a hearing aid,
then a quality research is mandatory on how to avail the coverage of devices
which cost hundreds and thousands of dollars.
Most of the time hearing aids are not financed by health insurance or Medicare
but one should always check this with their employer or individual policy adviser
to make sure, as stated by Hearing Health. All the policies have different terms
and conditions. In one of the policy, you may have to pay a certain amount like
$500 or $1000, which is for one or both ears, and you may renew the same plan
after 3-4 years. Other policies may allow you to give an assured amount toward a
specific provider or a conveyed proportion rebate from a specific provider.
As per the American Speech-Language- Hearing Association (ASHA), few private
health policies cover the price of testing, a hearing aid assessment, and fractional
or complete coverage of hearing aids.

According to ASHA, you may ask a consumer service representative about
whether your policy covers hearing aids by calling the 800 number on your ID
card. You may ask them to give you the coverage in writing. Always keep replicas
of all the documentation, stating date, time, and contact person.
ASHA says, your health plan may oblige former approval or a doctor’s referral for
a complete coverage of your hearing aids. This Pre-authorization ensures that the
health plan has verified your coverage. With Pre-certification, the health plan is
notified beforehand. In Pre-determination, the supplier should bid confirmation
from the health plan that the device is covered.
In any case, if your plan doesn’t cover the device you may ask for financial
assistance depending on your situations. For low-income Americans, Medicaid
offers some assistance for the device. Few more funding sources are Care Credit,
third-party insurance, and the Department of Veterans Affairs.