Navigating the twilight years often involves paying closer attention to aspects of our health we might have taken for granted, like our hearing. It’s not uncommon to experience some degree of hearing loss as we age, and understanding what kind of support and coverage we can expect is crucial.
Understanding Hearing Loss
Hearing loss can creep up on us, sometimes so subtly that we don’t notice until it becomes a significant issue. It can stem from a multitude of causes – from the cumulative effects of noise exposure to genetic factors or illnesses.
Do You Need a Hearing Test?
Have you found yourself repeatedly asking others to speak up or noticing that people seem annoyed when you don’t catch what they’re saying? Maybe you’ve started to hear a persistent ringing or feel as though your ears are plugged. These can be early signs that it’s time to get your hearing checked. And even if you’re not experiencing these symptoms now, it’s a good idea to have a hearing exam at some point as you grow older.
The Hunt for Affordable Hearing Aids
Traditionally, hearing aids are expensive devices prescribed by doctors. However, thanks to the Over the Counter Hearing Aid Act of 2017, more affordable options will soon be available for those with mild to moderate hearing loss. This is fantastic news, as it promises to make hearing aids more accessible and reduce costs across the board. Until then, without adequate coverage, you might find yourself facing hefty expenses for these essential devices.
Deciphering Medicare’s Hearing Coverage
When it comes to Medicare, it’s important to understand precisely what’s covered, especially since hearing care is a common need as we age. Although Medicare typically covers services deemed medically necessary, routine hearing exams aren’t usually on the list. Diagnostic hearing and balance exams might be covered under Medicare Part B if your healthcare provider orders them for specific medical reasons, like investigating the cause of vertigo. But even then, you’re still responsible for part of the cost, whether it’s a hospital copayment or the standard 20% Medicare coinsurance.
What About Hearing Aids?
One of the most pressing questions for those nearing 65 is whether Medicare will help with the cost of hearing aids. Unfortunately, the answer is no. Medicare doesn’t cover hearing aids, routine hearing exams, or exams for fitting hearing aids. But don’t lose hope – there are alternative and supplemental insurance options available.
Medigap and Medicare Advantage
You might have heard of Medigap, also known as Medicare Supplement insurance. This private insurance complements Medicare Parts A and B by helping with medical out-of-pocket costs. However, it won’t cover services that Medicare doesn’t, including hearing aids.
Medicare Advantage (Part C) plans, issued privately, offer the same benefits as Medicare Parts A and B and sometimes additional ones. Some plans might cover hearing exams, but typically, hearing aids aren’t included.
Reducing Costs and Expanding Coverage
To lessen your expenses for hearing services, consider enrolling in a Medigap plan, which can help cover out-of-pocket costs for diagnostic hearing tests ordered by a doctor. Additionally, you can broaden your Medicare coverage by adding specialized Dental, Vision, and Hearing plans. These plans are often affordable and can cover routine hearing tests and sometimes even hearing aids.
To determine the best coverage for your needs, it’s worth comparing rates and plans. You’ll find user-friendly systems and experienced professionals ready to guide you to the most suitable plan for your situation.