Medicare hearing aid coverage can be a tricky subject. While Medicare covers many aspects of senior medical care, there are many aspects it does not cover. Medicare does not cover most dental or vision services. Original Medicare and a Medicare supplement also do not cover hearing services. This exclusion includes products such as hearing aids.
Medicare Hearing Coverage
Original Medicare (Parts A and B) covers most of your medical needs. For example, for all of your inpatient hospital needs, Medicare Part A will provide coverage. The same is true for all of your outpatient medical needs; Part B will provide coverage for that, too.
Typically, Medicare Part B will cover most preventative services and benefits related to your health care. These preventative benefits include diagnostic hearing tests to test hearing loss that may be due to an illness or injury. Medicare Part B, however, will not cover routine services such as hearing exams, hearing aids, or hearing aid fittings.
This lack of coverage can be problematic for most seniors, as the costs for hearing aids can range up to the thousands of dollars. Also, patients under Original Medicare would usually have to pay 100% of the costs associated with routine exams, since Original Medicare does not cover them. Together, these costs can become a burden. It’s important for seniors to get the care that they need, and at an affordable price. Because of this, Medicare and other insurance programs offer ways to get seniors coverage for hearing services.
Medicare Advantage and Hearing Aids
In some instances, depending on your plan and location, a Medicare Advantage plan will cover some hearing services such as routine exams. Overall, the law requires all Medicare Advantage plans to offer the same benefits as Original Medicare. This law ensures that beneficiaries are getting their necessary inpatient and outpatient needs met. These additional benefits such as routine hearing exams are perks of the Medicare Advantage plan.
Not all Medicare Advantage plans cover hearing services, so you and your agent will need to find the right plan for you. Additionally, you will have to pay a monthly premium for these plans, in addition to your Part B premium. There are other downsides of Medicare Advantage plans, such as limited doctor choices. Medicare Advantage plans require you to see a doctor within the plan’s network. Your doctor of choice may not be within the plan’s allowance.
Additionally, some Medicare Advantage plans may have monetary limits on how much it will pay each year for your hearing care. This means that if you exceed the plan’s limits, you will have to pay the remaining costs out-of-pocket. This might get pricey.
Ultimately, most seniors find the most benefit from having Original Medicare, a Medicare supplement plan, and additional Dental, Vision, and Hearing coverage.
Dental, Vision, and Hearing Plans
Once you have Original Medicare and you find the right Medicare supplement plan for your needs, you’ll want to add a Dental, Vision, and Hearing plan to get the hearing coverage you need.
Seniors have guaranteed issue rights for these plans, meaning that there is no underwriting needed and you will not have to worry about being approved for a plan. The premiums are affordable, and it covers hearing aids and exams.
In addition to the hearing coverage you will get, you will also receive dental benefits and vision benefits. This plan offers a free 30-day look period, where you can review your coverage without any penalties. If you decide that the plan is not right for you at the end of the 30 days, you can disenroll, and the plan will refund your premium.
Get a Dental, Vision, and Hearing Plan
If you’re ready to take the next step, we can help. To enroll in a Dental, Vision, and Hearing plan, feel free to contact one of our agents at (800) 310-2550. If you are a few steps behind and still need a Medicare supplement plan to fill the gaps in your Medicare coverage, you can get a free Medicare supplement quote online. Know that you do not have to have a Medicare supplement plan to get a Dental, Vision, and Hearing plan, but we do recommend it. With the additional coverage, you will be prepared for all your medical needs, regardless of what life throws your way.