Losing your hearing is not an easy circumstance to cope with. It can cause you to miss out on key moments with friends and family and even make life more dangerous for you. Millions live with deafness daily, but if you can do something to save or enhance your hearing, then you should do it.
Hearing aids are the best tool to help people who are suffering from hearing loss. The thing about hearing aids is that they’re like all other pieces of medical assistive technology, they’re expensive. Many insurance packages don’t cover the full cost or any portion of the price of hearing aids. What do you do when you need financial assistance to cover your hearing assistance? Continue reading to learn what financial options you have available to cover your hearing aids.
Ask Your Audiologist
Figuring out how to pay for hearing aids is a task in and of itself if you’re underinsured or uninsured altogether. The first person you should talk with about financial assistance for your hearing aids is your Hearing Health USA audiologist. The doctor who prescribed your hearing aid will also be knowledgeable about payment options. He or she can provide you with a list of insurers or programs that will help you to get the assistive technology that you need.
Federal Insurance Programs
Sometimes it’s more amazing what your insurance doesn’t cover than what it does. It may surprise you to know that if you have Medicare parts A or B, then you don’t have coverage for hearing aids or even visits to your audiologists. If you have a Medicare Advantage Plan, then you’re covered for hearing tests and hearing aids, but you may still have out of pocket costs.
Where Medicare is for people of retirement age or those with disabilities, Medicaid is specifically for low-income individuals and families. Medicaid has to cover the total cost of hearing aids for children and covers many adults for hearing tests and hearing aids as well. If you are a draw in a low income, then you should apply for Medicaid to help offset or cover all of your medical costs. Different states have different eligibility requirements, so be sure to know what they are for your state.
Sometimes, group or individual benefits packages—and even private insurance—doesn’t cover all or any of the cost of assistive technology like hearing aids. In these cases, it’s good to have supplemental insurance coverage.
Supplemental coverage is designed specifically to cover what your main insurance plan doesn’t cover. It can be applied to out of pocket expenses and procedures that your main package doesn’t include. It can even be used to pay deductibles. Find the best supplemental insurance quote for your needs at healthquotegurus.com.
Discounted and Donated Hearing Aids
Unfortunately, for many Americans healthcare insurance is unaffordable, and they aren’t eligible for Medicare or Medicaid. Even if that’s the case for you, there are still programs out there that can help you get the necessary assistive technology. Some nonprofit organizations sell hearing aids at a steeply discounted rate to people who wouldn’t be able to afford them otherwise. Once you prove your financial need to them, they’ll give you a hearing aid at a price thousands of dollars lower than the average price.
Sometimes good people have really difficult financial circumstances. Suffering from hearing loss definitely doesn’t make financial hardships any easier because it can limit your employment options. Not having the funds for treatment, therapy, or assistance doesn’t mean that you don’t need them. Luckily, there are charities out there that understand just that.
Groups like the HIKE Fund for kids and Miracle ear provide hearing aids to people who need them but can’t afford them. Different organizations have different criteria for eligibility but if you do your due diligence, you’ll find organizations that help people in your situation.