Your hearing is more important to you than you might think. Those with a hearing loss don’t just miss out on magical everyday sounds in their local environment. They can also lose contact with loved ones, as great hearing is essential for effective communication. In addition, a hearing loss can have long-term health consequences for those who don’t seek professional help for their symptoms.
So why do some people wait years before seeking the right assistance?
A critical reason is that they don’t know if their insurance plan will cover their hearing care needs. To be honest, this isn’t an easy question to answer, as it can depend on someone’s age and plan type, among other crucial variables.
But to break this down for those who are concerned, I’ve put together a guide on Humana health insurance, so you can find out what your plan covers.
Medicare plan coverage
The vast number of hearing loss patients can qualify for Medicare coverage. The reason for this is that at least one in three people between 65 and 74 has a hearing loss, and almost half of those who are ages 75 and over have some trouble hearing. Importantly, Medicare does not offer coverage for hearing aid plans. But many insurance companies offer supplementary cover, which can help you meet this deficit.
The three alternative levels of HumanaChoice Medicare Advance plans come as preferred provider organization (PPO) insurance types.
Regarding in-networking hearing care services and hearing aids, you can enjoy the same benefits in all the plans. These include:
- $45 copayment for Medicare cover benefits
- No copayment for standard exams (one annually)
- No copayment for hearing aid fittings and assessments (3 visits per year)
- Authorization required for hearing assessments
- Hearing aid copayments $399 (advanced level instruments) or $699 (premium level instruments) maximum of 2 per year
Meanwhile, out-of-network coverage on all plans is unchanged, concerning non-Medicare covered hearing care and hearing aids. However, you can still receive a forty percent coinsurance payment for hearing assessments that Medicare covers.
It’s not easy to find hearing aid coverage with private insurance companies – the primary reason being that most people in need of this technology can access resources via Medicare. But crucially, it’s not impossible – and there are ways to access partial coverage, discounts, and benefits, which can all help you to step into the right technology.
Also, there’s good news for those ages 18 and under with Humana plans, as Texas state laws require all insurance policies to offer them hearing aids and hearing care coverage. In addition, certain variables found in plans can include copayment, deductible, and coinsurance for coverage of children, as well as optional riders that provide benefits for adults.
And if your Humana policy doesn’t cover the cost of hearing aid treatments, then different options, such as member discounts and specialized programs, could still help you in meeting the costs.
Why not let us help you?
What you’ve probably realized by reading this article is that finding out if your insurance plan will meet your hearing health needs isn’t easy. So why not take advantage of our dedicated insurance experts, who can help you understand how to get the most out of your personal plan?
With one quick phone call, you’ll have peace of mind on exactly where you stand with your hearing care coverage moving forward.
If you have concerns or just want to find out more information, simply give us a call at (432) 689-2220, and we’ll do all the hard work for you!