For many, hearing loss becomes a significant health issue as we age. With approximately one in three Americans aged 65-74 and nearly half of those older than 75 experiencing hearing difficulties, understanding your insurance coverage for hearing aids is critical.
One of the leading insurance providers in the United States, Humana, offers a variety of plans, some of which include hearing aid benefits. However, understanding the specifics of these benefits can be a complex endeavor. Here’s a detailed guide to help you navigate the intricacies of your Humana coverage.
Original Medicare’s Limited Hearing Aid Coverage
Humana offers Medicare Parts A and B, known as Original Medicare, which provide limited coverage for hearing health. While they do not cover hearing aids or exams for fitting hearing aids, Medicare Part B might cover diagnostic hearing and balance exams.
If your doctor or healthcare provider orders these exams, Part B will help cover the costs. You pay 20 percent of the Medicare-approved amount once you’ve met the Part B deductible and a hospital copayment if the exam occurs in an outpatient setting.
Prosthetic Devices: Medicare’s Coverage of Hearing Implants
Medicare does provide coverage for specific hearing implants, recognizing them as prosthetic devices. This includes auditory osseointegrated devices, auditory brainstem implant (ABI) devices, and bone-anchored hearing aids (BAHA). Additionally, devices that replace the function of the middle ear, cochlea, or auditory nerve are also covered by Medicare.
The Cost of Hearing Aids
Hearing aids are a significant investment, with a set typically costing between $900 to $6,000 or more. More expensive hearing aids often include extra features, such as Bluetooth wireless connectivity and tinnitus masking.
Enhanced Hearing Benefits with a Medicare Advantage Plan
Humana’s Medicare Advantage (Part C) plans offer an expanded range of benefits compared to Original Medicare, including coverage for hearing aids. These plans often include additional benefits for vision, hearing, and dental needs.
These Medicare Advantage plans help fill in the gaps left by Original Medicare, making crucial services like hearing aids more accessible and affordable. However, the specifics of the coverage can vary, necessitating a careful review of your individual plan.
Navigating Humana’s Coverage with Acadian Hearing Services
Sorting through insurance details can be time-consuming, frustrating, and discouraging. At Acadian Hearing Services, we want to alleviate your concerns by helping you understand your insurance coverage.
We are equipped with an insurance specialist who can dive into the specifics of your Humana coverage. They can clarify what your insurance plan covers, your potential out-of-pocket costs, and how often your coverage can be utilized for new hearing aids.
Our comprehensive service is designed to streamline your journey to better hearing health, enabling you to focus on what truly matters—improving your hearing.
Utilizing Your Humana Insurance for Better Hearing Health
Understanding the specifics of your Humana insurance coverage is the first step toward better hearing health. Our insurance specialist at Acadian Hearing Services is committed to making this process as seamless and straightforward as possible. With our support, you can take full advantage of your Humana coverage, ensuring you have access to the hearing aids that can significantly enhance your quality of life.
If you have any questions or want to schedule an appointment, call us or visit our insurance coverage page for more information. We’re ready to help you navigate your path to better hearing health.