Will Your Health Insurance Cover Hearing Aids?

The second installment of Hearing Tracker’s survey of 2000 hearing aid users has just been published, and it includes some interesting facts and figures.

Paying for Hearing Aids with Medical Insurance, the new Hearing Tracker report,  is based on a survey of 2000 hearing aid users conducted earlier this year by Hearing Tracker and its founder, Abram Bailey.

The news is that 25 percent of hearing aid buyers received some insurance reimbursement. The coverage ranged from $1226 (partial coverage) to $2131 (full coverage). Bailey warned readers that these figures are based on recollection and that people should go to their provider to get an exact figure.

There are two ways of looking at the fact that 25% of hearing-aid users received help in paying for hearing aids. The good news is that this figure is up from 13% in 2008. The glass is half full: the number of people with insurance has doubled in the past decade. Or it’s half empty: three quarters of hearing aid users are paying out of pocket, including Medicare recipients.

Here’s a breakdown of reimbursement by insurance provider. Before you decide to change insurance companies, take heed of Hearing Tracker’s caveat: Please remember that the dollar figures below represent recollections and guesses of hearing aid consumers, and may not accurately depict differences among companies. Screen Shot 2018-10-29 at 8.17.14 PM

The comments accompanying the article show that coverage is hugely variable, with many readers writing in to tell their own experiences. There seems to be no definitive answer to what insurance covers what, even in the same state with the same insurance company. This is not unusual in the health-insurance field, as followers of Jeanne Pinder’s ClearHealthCosts.com know.

Three states mandate hearing-aid coverage for adults. Arkansas requires coverage of $1400 per aid every three years. New Hampshire $1500 per aid every 60 months (every five years). Rhode Island $800 per aid every three years. As Bailey wrote: “If you live in one of these states, consider yourself lucky.”

This survey got its start last spring,  when I asked Bailey whether the discussion of over-the-counter hearing aids and non FDA-approved “hearables” had had an effect on the market. I was also curious about insurance coverage, partly because a friend of mine had just gotten two high-end hearing aids, fully covered by his insurance. As far as I can recall, I have never received reimbursement for a hearing aid, so I was surprised.

Bailey responded with the idea of a survey,  which he created. It was sent to those who subscribe to his website, those who follow my website, and to HLAA members. The  respondents represented an experienced and committed group of hearing aid users, and their responses may not be representative of hearing aid users as a whole.

The first report on the survey was published in June 2018 and focussed on the cost of hearing aids. You can read that report here.

I said above that there is no definitive answer to what insurance covers, even in the same state with the same insurance company. Actually, there is one question with a definitive answer: Does Medicare cover hearing aids? The answer is a categorical No.

 

For more about hearing health, read my new book, which will tell you everything I know about hearing loss, hearing aids, and hearing health!Smart Hearing Cover final

You can get it online at Amazon or Barnes & Noble, in paperback or ebook for Kindle or Nook. You can also ask your library or favorite independent bookstore to order it. 

 

 

5 thoughts on “Will Your Health Insurance Cover Hearing Aids?

  1. I believe that at least one of these insurance providers requires that a hearing aid be purchased from a specific manufacturer/provider. Unfortunately, that is not always appropriate for people with severe/profound hearing loss.

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  2. Until hearing loss is considered a medical issue this will be a problem for most of us. It’s not a life style or cosmetic issue. It’s a health issue. Insurance companies are clearly protecting their bottom line. To them health care ( and hearing health is included ) is a product and their stock holders don’t like it unless the product is sold at a profit. I accept your point that some insurance companies do provide some assistance. State chargers should require that they all do. But that’s just my opinion. I’m a bit heated up over this.

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    • I agree. Three states do require coverage but it’s not a lot of $$.
      Even more egregious is Medicaid, which often does not cover hearing aids for adults. (New York state Medicaid does.)
      The Medicaid situation is circular and self defeating: If you can’t hear, you’ll have a hard time getting a job, If you can’t get a job you have to go on Medicaid.

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