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Insurance

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Use Health Benefits and FSA Funds to Your Advantage

Hearing insurance, while only offered to about 15 percent of the workforce, may provide financial assistance in covering the cost of hearing technology. With most plans, these benefits expire at the end of the year if they are not used, so be sure to contact your insurance carrier for more information about your specific policy. Hearing HealthCare, Inc. is a preferred provider for most health insurance companies. Insurance coverage will normally pay for your diagnostic hearing evaluation, but coverage for hearing devices varies widely among companies. We will work with your you and your insurance company to be sure you get every penny of coverage available to you.

Your employer may also offer an FSA or HSA (flexible spending account or health spending account) that pulls money from your paycheck pre-tax and sets it aside for future medical expenses. In this case, the costs still come out of your pocket, but it would be untaxed, thus saving you money. If you’ve already used your FSA funds for the year, in order to maximize your benefit, consider what your hearing needs and costs will be the following year when you sit down with your company’s benefits coordinator and decide how much of your paycheck you’d like to reserve tax-free.

Frequently Asked Questions

Medicare Part B (Medical Insurance) will cover the diagnostic hearing and balance exams only if your primary care physician orders these tests based on symptoms, conditions, or complaints that would require medical treatment. Medicare does not currently cover regular hearing exams or treatment, including hearing aids or exams for fitting hearing aids.
States must provide benefits to adults and children under the age of 21. This includes appropriate screenings, diagnostics, and medically necessary treatments—including hearing aids, hearing aid accessories, and related services. Coverage beyond the age of 21 is based on state regulations. Patients are encouraged to pursue information regarding their state’s coverage, which can be found on their state’s website.