If you have recently discovered you have a hearing loss that could be treated with hearing aids, you’re probably wondering how you’re going to pay for them. Investing in hearing aids can make a huge difference in your life, but some of the more advanced models can be quite expensive. A few insurance companies will cover hearing aids or at least a diagnostic test, so it is worth checking before you take action.
Insurance and hearing aids
Unfortunately, many insurance companies do not cover hearing aids in their standard policies. There are so many Americans who have a hearing loss now, that the insurance companies are trying to save themselves money by considering hearing aids to be “elective costs.” Certain companies may however offer a discount or allowance with contracted providers and there are some companies that provide a set amount for reimbursement, which can lower the amount you have to pay yourself.
There are also some situations, such as birth defects and sudden trauma, which mean treatment would be covered. It will also often depend on age and status as to whether the insurance company will pay out for hearing aids. Veterans will often have access to hearing aids through Veterans Administration benefits.
It is a sad fact that only four states mandate coverage for adults with a hearing loss, and Texas is not one of them, although we are one of the 20 states that require full or partial coverage for children.
Do you really need hearing aids?
With few insurance companies covering hearing aids, it can be tempting to just “do without.” However, this move can affect your health and life in several adverse ways. Hearing loss can put a strain on relationships, and people with an untreated hearing loss can quickly become withdrawn. This can lead to depression and there are links between untreated hearing loss and dementia. People who have left their hearing loss untreated for a while find they get a new lease of life when they invest in hearing aids and it can make a real difference to the quality of life.
Other ways to get help
If your insurance doesn’t cover hearing aids, there may be another way you can get help with costs. If you have Medicaid, in Texas this covers hearing aids but requires prior authorization. TRICARE benefits are available for family members of people on active military duty. There are also options in Texas under the Vocational Rehabilitation program.
If you need help checking whether your benefits or insurance cover hearing aids in Lubbock, Spring, and Snyder areas, you can ask a question. You may require a hearing test to qualify your level of hearing loss, in which case you can schedule a hearing test with Cornerstone Audiology.