If you suffer from mild to severe hearing loss and looking to get a hearing aid. You might be asking yourself if medicare covers any of the cost?
Unfortunately the answer is no! Medicare will not cover the cost of hearing aids. This can prevent people from getting the quality of life that they deserve but can’t afford the High Costs.
Hearing aids are pretty expensive and many people cannot afford to buy them on their own.
In this article, we will provide a very thorough answer to the question; “Does Medicare Cover Hearing Aids?”
That’s not All! We will also be providing you with alternative solutions and discounts to getting help with hearing loss without breaking the bank.
Does a Supplemental Medicare Plan Cover Hearing Aids?
You may be wondering if a Supplemental Medicare plan will help cover the shortfall. Unfortunately, these plans are not designed for expanding the coverage of Medicare plans.
They are simply in place as a supplement to your Medicare plan. That means that they will cover items that are already included in your initial Medicare coverage but nothing additional. That may sound confusing, but you can use a supplemental plan to cover things like copays or deductibles.
Sometimes you can even cover prescription drugs with these plans. Any of those additional items that are covered by the supplemental insurance need to be copays or deductibles for illnesses, procedures and appointments already covered by Medicare.
If the initial Medicare plan that you have does not have a high enough dollar amount of coverage to get you the care that you need, then you will be able to use your supplemental plan to cover the additional dollars that you need.
That means that a supplemental Medicare plan cannot cover hearing aids because they are not covered under original Medicare plans.
Does a Medicare Advantage Plan Cover Hearing Aids?
In contrast, there are Medicare Advantage plans available to the public that are different from supplemental plans.
These plans are essentially Medicare plans that you purchase from private companies rather than purchasing them from the government.
Some people call these plans Medicare Part C and these plans cover the same benefits as Medicare Part A and Part B. The difference is that Medicare Part C will also cover additional benefits that the other two do not. That includes vision, dental and hearing issues.
That means that the plans will likely cover your hearing aid needs, but the challenge comes in finding the right one for you. There are several that are more expensive but if you do research ahead of time or enlist the help of enrollment professionals in various companies to help you do a cost comparison then you can find one that works for you.
There is also a lot of information online, especially regarding the location where you intend to get your care. You can get a plan from a company that offers different details to their benefits in Colorado versus what they offer to their patients in Pennsylvania, so it helps to have an idea of where you would like to be receiving your care in order to make sure that you are buying a plan that will work for you long term.
Will Medicaid Pay for Hearing Aids?
Some people who are eligible for Medicare are also enrolled in Medicaid programs as well.
Many State Medicaid Programs actually Do Cover Hearing Aids! So that may be the best option for a patient who needs the financial support.
Typically Medicaid plans cover people with disabilities, children, pregnant women, and people below a particular income level. You need to do some extensive research on what state Medicaid programs cover hearing aids and which ones only cover the hearing aids in certain circumstances.
Your state will have more information and depending on the category that you fall under, you may be able to utilize federal Medicaid plans for your hearing aid needs.
Methods to Get a Discount for Hearing Aids
There are grants and funds that exist within many hospitals and clinics that are set aside for those who cannot afford whatever medical care that they need.
If you have been told by your doctor that a hearing aid is a necessity for your health and you know that your only source of coverage is from Medicare then you need to be honest about that up front. Do not be afraid to ask for assistance, because you have no idea what kinds of payment plans of angel grants that the doctor knows about and can help you with.
There are also many other resources that could be available to you and if you do not ask then you will never know what they are.
Your health is essential to your future and your hearing is essential to your ability to care for yourself and have a satisfactory quality of life.
You can also go to the facilities within your state government where assistance is given to ask these questions.
Sometimes you may not qualify for Medicaid but there could be other grant opportunities or free clinics that the state maintains records for and they can direct you on where you can get the hearing aid that you need.
There are so many nonprofit organizations in today’s day and age that work specifically to give people the gift of hearing, and they are not only focused on those who are young and healthy.
Those patients are generally the primary focus of these organizations only because of the longevity that they are more likely to have after receiving their hearing aid, but that doesn’t mean that they do not cover those who are older and more fragile as well.
Over the Counter Hearing Devices
When all else fails, there are still other ways for purchasing a device to help with hearing loss, without breaking the bank. Remember that hearing aids are expensive, mostly due to the doctor fees and clinic visits that are included in their price. This is where an Over-the-Counter Hearing Aid Device becomes a very good option.
Over the counter hearing devices are also referred to as “Hearing Amplifiers” and “Personal Sound Amplifiers” (PSAP).
They provide many of the same functions as a prescription hearing aid, but without the added costs of doctor and clinic visits. You can pick one up from local retail locations or even buy them online from Amazon.
Check out this article on The Difference Between Hearing Aids and Hearing Amplifiers.
To conclude, your hearing has such a significant impact on your quality of life, and even though Medicare will not cover the cost of a hearing aid device, you still have other options. It is worth looking into local and state run programs or make sure you find the Best Hearing Amplifier for you budget. This may be in the form of a custom prescription device or purchased over the counter.
You simply need to get in the door and ask for help, their professional staff will guide you through what your options are and what to expect moving forward. Giving up is never the right answer, so give it a try!