Your doctor or other health care provider may recommend you get services more often than Medicare covers. Or, they may recommend services that Medicare doesn’t cover. If this happens, you may have to pay some or all of the costs. It’s important to ask questions so you understand why your doctor is recommending certain services and whether Medicare will pay for them.
Does Medicare Cover Hearing Aids?
If you have a Medicare Advantage plan and hearing services are covered, then follow your health plan’s rules for scheduling hearing appointments. For example, don’t call a hearing specialist directly if your Medicare Advantage plan requires you to go through a primary care doctor first for a referral. You might want to contact your Medicare Advantage or other health plan to see if it offers hearing exams and hearing aid discounts through a specific program.
Medicare coverage of hearing loss and hearing aids
Medicare, the federal health insurance program, covers people who are 65 or older, as well as some younger individuals with disabilities or severe diseases. However, Medicare does not cover all costs of medical services, which is where the rules can get tricky. There are a number of factors affecting coverage, so it is imperative all individuals take the different kinds of coverage available into consideration. Before we get into answering the hearing aids question, we need to understand what it does and does not cover. If you want to skip to the answer, click down to the section Items not covered by Medicare.
Medicare and Hearing Aids
Some Medicare Advantage plans (Medicare Part C) cover hearing exams and hearing aids. Medicare Advantage plans often offer benefits not typically included with Original Medicare (Part A and Part B), such as routine hearing exams and hearing aids. Since each Medicare Advantage plan is different, you should compare plans carefully to find one that fits all of your medical needs. You can see if any Medicare Advantage plans in your area cover hearing aids and exams by using our Medicare Advantage plan comparison tool.
Does Medicare Cover Hearing Aids? Financial Help
Nonprofits. Sertoma helps people with hearing problems and runs a hearing aid recycling program, SHARP through its 420 clubs (1-816-333-8300). HEAR Now, sponsored by the Starkey Hearing Foundation provides hearing aids for people with limited income. Clients pay for evaluations and a fee of $125 per aid. Private insurers. Few private insurance companies cover hearing aids, but three states — New Hampshire, Rhode Island and Arkansas — require that insurers provide coverage for adults. New Hampshire insurance companies are required to cover the cost of no less than $1,500 per hearing aid once every five years. Rhode Island requires individual and group insurance policies to provide $700 coverage per individual hearing aid every three years for those over age 19. And in Arkansas, insurance companies are required to offer coverage to employers in the state. If a company takes advantage of this, the health plan must provide coverage of no less than $1,400 per ear every three years.
Does Medicare Cover Hearing Aids?
Nancy, Hearing aids are expensive! There are a few options. If you don’t have a Medigap policy, you can join a Medicare Advantage plan that has limited hearing coverage during the Medicare Annual Election Period, you can check to see if there are any stand-alone hearing plans in your are, and, lastly, you can see if there any advocacy groups that help with hearing aid coverage. If you need help finding a Medicare Advantage plan that covers hearing, call one of our Senior65 licensed independent agents at 800-930-7956. -Chris from https://www.senior65.com/
Medicare Coverage of Hearing Aids
Despite the fact that Medicare doesn’t offer hearing aid coverage, you may enjoy coverage if fitted with a prosthetic device that improves your hearing, depending on your specific circumstances. According to the Medicare policy manual, a device qualifies as prosthetic if the cochlea, middle ear or auditory nerve is replaced by a device that produces the perception of sound such as an auditory brain stem implant or cochlear implant. An osseo-integrated implant, a device that is implanted into the skull, is also considered a prosthetic device. These options require surgery, so be sure to discuss these options with your doctor, who must approve of any prosthetic procedure.