Enlisting in any kind of healthcare program with insurance companies will always have some aspects that must be clarified.
This is no different when searching for hearing insurance as well. We handle insurance questions daily at both our clinics here in Lake Charles and have learned quite a few things about the ins and outs of proper hearing insurance.
We’ve gone the extra mile to learn about all these programs, including United Healthcare. This ensures we can get the best out of them for you.
Hearing healthcare is our passion and only concern. We want to ensure you get everything you should from your insurance program. We’re on your team and work for you to get the best care possible, both physically and financially.
There can be some setbacks when trying to get your hearing aids through an insurance company. There’s a lot of red tape, and it can sometimes seem impossible to get the help you need.
However, each patient’s needs are different. We have been asked many questions regarding United Healthcare insurance, and my team and I are always ready to answer them.
United Healthcare Medicare Supplement (Medigap) Plans
United Healthcare offers AARP Medicare Supplement Insurance Plans to cover a portion of the costs original Medicare doesn’t pay for.
The following plan names must include the words “wellness extras offer” to qualify:
- UHC Medigap Plans A–C, F, G, K, L, N
These all have a hearing discount of the AARP member rate plus an additional $100 discount on hearing devices in the top five technology tiers and have features ranging from standard to premium.
How United Supplements Medicare
Medicare provides a basic level of health insurance overall, which does not include any kind of assistance with hearing health. You may be able to get a test covered, but that’s about it.
Here are other options to supplement your Medicare with United.
AARP MedicareComplete Plan 1 (HMO)
Details of this plan:
- Requires a $20 copay for hearing exams
- $380 copay for inner-ear hearing aids
- $330 copay for outer-ear hearing aids
- $35 copay charge to see a specialist.
This plan allows patients to see their preferred doctor and have a $0 monthly premium. Although simple, this plan suits many patients who only need essential assistance at this time.
AARP Medicare Advantage Plan 2 (HMO)
The copay in Plan 2 is $5 to see a primary care provider and $45 to see a specialist. However, no monthly premium is required, and no referral is required. Out-of-network coverage is available, and the in-network out-of-pocket maximum is $5.900.
AARP MedicareComplete Plan 3 (HMO)
This plan is very similar to plan 1, the main difference is that the hearing exam copay is only $5, but the monthly premium is $36. The copay for both types of hearing aids is the same. This will suit someone who requires closer monitoring to ensure their hearing health stays on track.
AARP MedicareComplete Plan 4 (HMO)
This plan again is very similar to the first two, but this one has a $0 copay for hearing exams and an $81 monthly premium. The copay for both types of hearing aids is the same.
If you need high-quality hearing aids, then these United Healthcare programs may not be the best for you. But we have other options available to you and can discuss them after a comprehensive hearing assessment.
Is There an Out-Of-Pocket Amount I Have to Meet Before Benefits Kick in?
In most cases, yes, you will have to pay something before receiving any of the promised benefits. We can work with you to ensure you’re paying as little as possible upfront so you can get your hearing taken care of first.
How Often does United Healthcare cover the Cost Of New Hearing Aids?
This will depend on your specific program, but due to United’s copay structure, you can be entitled to new hearing aids sooner than you think. It depends on your plan and how much your budget will allow. It also depends on your hearing. If your hearing is healthy with your current hearing aids, then there is no benefit to renewing.
Does My Preferred Audiologist or Clinic Accept United Healthcare?
If your preferred audiologist clinic is us, then yes (and thank you). We are very familiar with United and have a close working relationship with them. We stay up to date on all their offerings as they change so we can confidently answer all your questions.
Can I Choose the Hearing Aids I Like Best, or Am I Restricted to Generic Brands?
With United, you have some flexible options compared to other hearing insurance programs. While some of the premium hearing aids are still quite pricey, if your needs are basic, you have a wide range of options.
We Have In-House Insurance Specialists
The best way to get all the answers you need for yourself, or a loved one is to give us a call. Once you contact us, we can give you tailored advice that will directly apply to your needs and situation.
We have exceptional knowledge of all major insurance programs, and believe me when I say there is a program for everyone.
Schedule your comprehensive hearing assessment now to start the process of getting the help you need without having to exhaust your budget.