Is it becoming increasingly difficult to follow conversations and hear what people say? Do you find yourself asking friends to repeat themselves and is your TV volume ever creeping upward?
These are just some of the warning signs that point towards the need for a hearing aid. Should you notice any of the signs that your hearing is deteriorating, it’s important to get your hearing properly tested.
Original Medicare doesn’t provide hearing coverage. If you have Original Medicare, you will have to pay for all of the costs associated with hearing aids, including the exams, fittings, and devices.
While Original Medicare never covers the cost of hearing aids, Part B might cover diagnostic testing if you need hearing aids due to an injury or illness. If your doctor orders an examination due to a recent event, you will only have to pay the Part B deductible and 20 percent of the exam. It’s critical to use a doctor who is part of the Medicare program. If a doctor outside of the program orders the diagnostic test, you may have to pay for it.
If the testing determines you need hearing aids, you will have to pay the full price. Original Medicare does not pay anything toward hearing aids, even if the diagnostic test shows you require the devices.
If you don’t want to pay out-of-pocket for hearing aids, consider a Medicare Advantage (Medicare Part C) plan. Private insurance companies offer these plans, and all must include the benefits provided by Original Medicare. Many plans also include extras, such as vision and hearing coverage. Some plans cover the hearing exam, fitting, and device as well as additional evaluations. It’s even possible to get a Medicare Advantage plan that pays for the batteries used in the hearing aids.
If you have such a plan, look over the hearing aid coverage before making a purchase. Many plans require that people follow a specific process when buying hearing aids, and some plans only allow the purchase of hearing aids from a select group of suppliers. Failing to follow the plan’s guidelines could lead to a denial. Then you will have to pay the full cost of the hearing aids.
While Original Medicare doesn’t cover hearing aids, you can get coverage with Medicare Advantage. It’s important to compare Medicare Advantage plans and find one that has the benefits you need at a cost you can afford. Speak to a licensed insurance agent today to get help selecting a plan.