Hearing Insurance
Hear Life to the Fullest with the Right Hearing Coverage
Don't miss out on the sounds of life. We offer a variety of hearing insurance plans to help you protect your hearing and get the care you need.
Why Choose Health Benefits Enrollment Center for Hearing Insurance?
Comprehensive Hearing Care: We offer plans that cover hearing exams, hearing aids, and other assistive listening devices, so you can find the right solution for your hearing needs.
Access to Qualified Audiologists: Our plans provide access to a network of experienced audiologists who can help you with hearing tests, hearing aid fittings, and ongoing care.
Affordable Options: We'll help you find a hearing plan that fits your budget and provides the coverage you need to improve your hearing health.
Personalized Guidance: We understand that choosing hearing coverage can be overwhelming. Our agents will answer your questions and guide you through the process.
Common Hearing Coverage Questions, Answered
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Does my health insurance cover hearing aids?
Generally, most standard health insurance plans, including ACA Marketplace plans, do not cover the cost of hearing aids for adults. While they will cover diagnostic hearing exams to identify a medical issue, the hearing aids themselves are often considered an elective device and are excluded from coverage.
Does Original Medicare cover hearing aids?
No, Original Medicare (Part A and Part B) explicitly does not cover hearing aids or the exams for fitting them. This is a significant coverage gap for many seniors, as hearing loss is common with age and hearing aids can be very expensive.
How can I get coverage for hearing aids?
The most common way to get coverage for hearing aids is through a **Medicare Advantage (Part C) plan**. Many Medicare Advantage plans offer extra benefits not covered by Original Medicare, and hearing services are a very popular addition. Some private insurance plans or standalone hearing discount plans may also be available.
What does a typical hearing benefit include?
A hearing benefit, often found in a Medicare Advantage plan, typically includes coverage for:
• A routine hearing exam, often for a low copay.
• An allowance towards the cost of hearing aids (e.g., one per ear every one or two years).
• Fittings and follow-up adjustments for your hearing aids.
What is a hearing aid "allowance"?
An allowance is a set dollar amount that your insurance plan will contribute towards the cost of your hearing aids. For example, a plan might offer a $1,000 allowance per ear.
If you choose hearing aids that cost more than the allowance, you would pay the remaining balance. This benefit significantly reduces the large out-of-pocket expense associated with purchasing hearing aids.
Are hearing exams covered?
This depends on the type of exam and your insurance. Your medical insurance (like ACA or Medicare Part B) will typically cover a diagnostic hearing exam if your doctor orders it to check for a medical condition.
However, routine hearing exams to check for hearing loss or to fit a hearing aid are usually only covered by plans with a specific hearing benefit, like many Medicare Advantage plans.
Do I need a referral to see an audiologist?
This depends on your insurance plan's network type. If you have an HMO plan, you will likely need a referral from your primary care physician to see an audiologist.
If you have a PPO plan, you can typically make an appointment directly with an in-network audiologist without a referral.
Can I buy a standalone hearing insurance plan?
While less common than dental or vision plans, some standalone hearing insurance or discount plans are available. These plans are designed specifically to help with the costs of exams and hearing aids. However, for many people, getting hearing coverage as part of a bundled Medicare Advantage plan is a more common and often more valuable approach.
Are repairs for hearing aids covered?
Coverage for hearing aid repairs, maintenance, and batteries can vary greatly from plan to plan. Some comprehensive hearing benefits included in Medicare Advantage plans may offer some coverage for repairs or a supply of batteries. It's an important detail to check when comparing plans.
How do I know if my plan includes hearing benefits?
The best way to know is to review your plan's official documents, specifically the "Evidence of Coverage" (EOC). This document will provide a detailed list of all covered services, including any benefits for routine hearing exams and hearing aids.
The HBEC Difference
Self-Paced Enrollment
You are in control. Use our straightforward online tools to explore your options and enroll on your own schedule, from the comfort of your home.
Step-by-Step Video Explanations:
You're never alone in the process. Our founder, Robert Lewis, provides straightforward video explanations for each step, showing you how to review your options.
A Supportive Process:
Our goal is to provide the information and a supportive framework you need to choose the right coverage for yourself and your family with a full understanding of your decision.
Commitment to Community
We're dedicated to serving our community and helping individuals and families access the healthcare resources they need.
OUR MISSION
Our mission at Health Benefits Enrollment Center is to provide a straightforward and supportive way for you to understand your insurance options. We are committed to offering accurate information and a respectful process, so you can enroll in the right coverage for yourself and your family with a full understanding of your choice.
OUR VALUES
Integrity: We conduct our business with honesty and ethical practices.
Client Focus: Your needs are our priority. We are dedicated to providing a supportive framework and the tools you need to find the right coverage.
Knowledge: We are committed to maintaining a high level of knowledge and professionalism to ensure the information we provide is accurate and helpful.
Your Straightforward Enrollment Starts Here.
Our unique process uses clear video explanations from our founder,
Robert Lewis, to help you understand your choices and enroll online.
