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Does Insurance Cover Hearing Aids?



Only about one fourth of the thirty-five million Americans who need hearing aids actually get them. A major reason for that is money. Much like with eyeglasses, most health insurance plans do not cover hearing aids. It's interesting and illogical that eyes and ears aren't considered part of basic health coverage, but that's how things are in the United States, unfortunately.

Those insurance policies that do have some type of hearing loss provision will likely only cover the cost of a hearing test, something that many hearing aid sellers do for free.

When it comes to the actual coverage, it's usually only about $500 to $1,000, leaving the bulk of the cost paid out of pocket by the consumer. If you're looking to buy Siemens hearing aids (Siemens is one of this biggest manufacturers of hearing aids), for example, you may be able to get the costs partially covered.

Additionally, there are some companies which are involved with large buying groups that may help you get a discount with certain sellers or manufacturers.

If you don't have insurance or your insurance company doesn't pay for hearing aids, youll want to seek out the best deal you can.

Hearing aids from a dealer can cost as much $3,000 each (or more).

There are many reasons for this, a few of which are:

- Most dealers will try to tell you that you have to have a custom fitting made which can cost up to $1,500. It's a simple process that involves making a mold of the ear or ears, and it only costs them about $50 to conduct. Many people are perfectly happy with hearing aids designed to fit everyone (one size fits all models).

- They have expensive operating costs such as lights, telephones, and computer repair and maintenance, and they pass those often exorbitant costs on to you.

- They will attempt to sell you on a bunch of expensive technology you won't need and will most likely never even use. Depending on your needs, you may be able to get by with a vary basic model that does little more than increase quiet sounds and digitally filter out some of the background noise. A device like this can be purchased on the internet for less than $500.

So, for most people, the bad news is that it's unlikely to have all of the costs of hearing aids covered by your health insurance plan. The good news is that the internet is continually bringing prices down so that improving hearing loss can be possible for more and more people.