Insurance

Covering the costs

Know Your Insurance Plan

Speak with your insurance provider. Whether it be your personal health insurance plan or through your employer – knowing how much coverage you have for speech, language or hearing-related services is vital.

You can contact your employer or read through your employee benefits package to find out if both testing and treatment are covered. You’ll want to look for the sections entitled:

  • Hearing Care
  • Hearing Benefits
  • Audiology
  • Speech and Language Benefits

Some insurance providers offer a limited warranty for necessary medical devices, including hearing aids. Here are some of the devices you may require coverage for:

  • Hearing aids
  • Amplification devices
  • Cochlear implants
  • Speech and voice-generating devices

These tiny instruments make a vast improvement to one’s ability to hear and, in turn, bring dramatic improvements in quality of life. 

Are My Hearing Benefits Adequate?

In terms of speech/language benefits, an extensive health insurance plan includes:

  • Coverage for services of all disorders (without exclusions)
  • Pay for a substantial portion for necessary medical devices
  • Reimbursable therapy sessions, without limit
  • No annual or lifetime limits on coverage benefits
  • Access to a number of local physicians/care providers

In terms of hearing benefits, coverage will also include:

  • The majority cost of hearing tests and treatments
  • The ability to see an audiologist without physician authorization
  • The majority cost of a hearing aid evaluation, and fitting if necessary
  • A substantial amount of allowable charges, with no limit on the number of visits per year or maximum total visits over a lifetime
  • A significant amount of payment for hearing aids and other amplification devices Access to a number of local hearing care professionals/audiologists

Calculating Hearing Benefits

<p>Limitations:</p>
<ul>
    <li>Insurance plans may also restrict you to their provider network which results in a limited access to local audiologists/providers.</li>
    <li>a statement by a physician that approves medical services
    </li>
    <li>a certain number of therapy visits
    </li>
    <li>a certain annual or lifetime benefit</li>
</ul>
<h2>How much will my plan pay?</h2>
<p>Check if your health insurance plan covers all hearing services or only a specific percentage. Some plans require co-payments and pay differently based on network providers. If your benefits are inadequate, you can buy hearing aid insurance.</p>
<p>You can buy hearing aid insurance from Midwest Hearing or Ear Service Corporation (ESCO), which are the leading hearing aid insurance providers in the United States.</p>

Limitations:

  • Insurance plans may also restrict you to their provider network which results in a limited access to local audiologists/providers.
  • a statement by a physician that approves medical services
  • a certain number of therapy visits
  • a certain annual or lifetime benefit

How much will my plan pay?

Check if your health insurance plan covers all hearing services or only a specific percentage. Some plans require co-payments and pay differently based on network providers. If your benefits are inadequate, you can buy hearing aid insurance.

You can buy hearing aid insurance from Midwest Hearing or Ear Service Corporation (ESCO), which are the leading hearing aid insurance providers in the United States.

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