What Medicare Advantage Plans With Hearing Aid Coverage Is Right For Me?
What is a Medicare Advantage Plan?
The first step in choosing the best Medicare advantage plan is understanding what a Medicare advantage plan is and what it covers. Medicare Advantage plans provide coverage for treatments and programs that aren’t covered by Original Medicare. It’s also important to keep in mind that Medicare advantage plans are provided by Medicare-approved private companies.
Often, Medicare advantage plans are referred to as “Part C”, or “MA Plans”. Some of the Medicare advantage plans that can provide you with hearing aid coverage include:
Humana Medicare Advantage Plans
People requiring hearing aid coverage will be happy to know that Humana offers the coverage they need. Medicare advantage plans offered by Humana provide access to a hearing aid benefit program called TruHearing. This program covers an annual routine hearing exam at no charge to members.
Humana Medicare Advantage members are eligible for the TruHearing program and have access to standard and premium hearing aids with a very low co-pay. It’s also important to keep in mind that TruHearing offers to cover up to two hearing aid devices annually.
Accidents happen, so this is another appealing aspect of this Medicare advantage plan. Additionally, it’s possible for members to receive coverage for hearing aids when they aren’t enrolled in TruHearing. But this amount of coverage may vary. Some members may have access to an allowance towards their hearing aids. Some allowances cover a flat rate towards a hearing aid instead of having a copay. This is a welcomed development considering hearing aids can cost as much as $2000 or more.
BlueCross BlueShield Medicare Advantage Plans
BlueCross BlueShield is another option for Medicare advantage plans with hearing aid coverage. Even though BCBS offers numerous types of Medicare advantage plans there are only a few that help with hearing aids. Only certain specialty plans allow members the opportunity to receive coverage for their hearing aids and associated costs. That’s why it’s important to ensure that members who enroll in a Medicare advantage plan with BCBS, otherwise known as Plan C, understand everything their insurance covers. The last thing you would want is to be stuck with an surprise bill.
The best coverage option BCBS offers for hearing aids is known as the Medicare advantage special needs plan. This plan includes Medicare Parts A, B, and D, along with other select specialty coverage areas that include hearing loss. Understanding the differences between the insurance coverage options that are available to you is instrumental. Knowing your options will give you the ability to find the best and most cost-effective coverage that fits you.
UnitedHealthcare Medicare Advantage Plans
Another option for people in need of Medicare advantage plans with hearing aid coverage is UnitedHealthcare. There are multiple types of Medicare advantage plans capable of assisting with costs associated with hearing aids. If you’re on the search for a plan that provides no copay at all, the UnitedHealthcare Dual Complete D-SNP plan is the ideal choice. To qualify for this plan, you will need to enroll in both Medicare and AHCCCS/Medicaid.
Other plans offer no copay if you select an in-network provider. It’s important that you have a clear understanding of which plans are available in your area before making a commitment though.
Doing so is essential to being able to avoid any potential surprises at the end of your audiology appointment. Knowing the specific details of your plan is also important for being able to adhere to a budget when shopping for a specific hearing aid. Another vital factor in selecting the correct UnitedHealthcare Medicare Advantage plan is ensuring that it’s available in your area.
Cigna Medicare Advantage Plans
Location is an especially important factor to consider when it comes to choosing the right Cigna Medicare advantage plan. If you live in an area that offers access to Cigna’s Medicare advantage plan with hearing aid coverage, you’re in luck. That’s because Cigna’s partner, Hearing Care Solutions, offers a variety of benefits specifically catering to people with hearing problems.
Some of the benefits that come with Cigna’s partnership with Hearing Care Solutions include free fittings for hearing aids, free exams unless there’s a co-pay, along with a wide selection of hearing aids to choose from.
Some of the hearing aid brands that are available to choose from through this partnership include Beltone, Starkey, Signia, Rexton, Widex, and ReSound, among others. If you have a select brand of hearing aid that you’d prefer to use, it’s important to consult with your provider to ensure that it’s available under the plan you select.
Taking that into consideration, if you prefer a specific brand of hearing aid it’s important to make sure that its price doesn’t exceed the amount of coverage you have. If you don’t, you may be left paying the surplus amount of the hearing aid. Costs for hearing aids depend on numerous factors, including the technology involved in constructing them. Also, Cigna’s plans that include hearing aid coverage tend to change from year to year. So it’s important to consult with an expert annually to find out what coverage your plan has.
Aetna Medicare Advantage Plans
Another Medicare advantage provider with a number of options for people who need hearing aids is Aetna. The choices for Aetna Medicare advantage plans that provide hearing aid coverage include a direct member reimbursement service, and the Aetna network itself. Direct Aetna policyholder’s benefits include annual hearing exam coverage and hearing aid fitting appointments.
People who have Aetna coverage through the direct member reimbursement service receive total coverage. Yearly routine hearing exams, along with hearing aid fitting appointments with in-network audiologists are a few of the perks. Additionally, direct member reimbursement plans provide an allowance annually which allows them to visit the licensed audiologists of their choice if they’re out of network.
The only rule for policyholders who choose direct member reimbursement is that the provider must accept Medicare beneficiaries. The costs for each of Aetna’s Medicare advantage plans that offer hearing aid assistance drastically differ. Since that’s the case, it’s crucial to have a complete understanding of what you could be responsible for paying. The most common costs associated with Aetna Medicare advantage plans include deductibles, monthly premiums, and copays.
Review All of The Options for Medicare Advantage Plans that Offer Hearing Aids with the Experts
Having an accurate idea of what insurance options are available through Medicare advantage plans with hearing aid coverage could have an undeniable impact on your quality of life. That’s the case because having this information will allow you to receive access to the care needed to restore your hearing, with the help of a hearing aid. Finding the right insurance information is hard, so teaming up with insurance professionals is the best bet. These professionals are familiar with navigating the Medicare world so they can find what you need.
This is because these professionals can answer the questions that are most important to you while providing you with other insights. Making it easy to help you make the right decision.
Finding the best Medicare advantage plan with hearing aid coverage can be difficult, but it certainly doesn’t have to be. Partnering with Medicare Insurance Professionals who understand the world of Medicare advantage plans could lift a huge weight from your shoulders. To get the information necessary to begin the journey to restoring your hearing, make an appointment with the staff at Medicare Insurance of Arizona today! The friendly and knowledgeable professionals in the office will be glad to provide you with the guidance, and information that you’ve been searching for
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