Original Medicare will not cover hearing aids, fittings for hearing aids, or hearing exams. However, there are many other options for hearing coverage including hearing insurance plans, discount hearing plans and some Medicare Advantage Plans.
What does Original Medicare cover?
Original Medicare will not cover hearing aids, fittings for hearing aids, or annual hearing exams. However, Medicare Part B can cover diagnostic hearing tests and balance exams as long as they are for a medical need, such as hearing loss because of an illness or injury.
If you have Original Medicare and receive a hearing exam that is considered medically necessary, you will still have a cost-share unless you are enrolled in something such as a Medicare Supplement, also known as a Medigap plan. These plans are designed to pick-up the costs not covered by Original Medicare on approved services.
What Hearing Coverage Do Medicare Advantage Plans Include?
Certain hearing services can be covered by Medicare Advantage Plans, but make sure to ask your plan provider which services will be covered, for each plan may be different. It would be best if you also asked your hearing provider to confirm which plans are accepted.
Take note that the more coverage a plan offers, the higher your premiums, coinsurance, and copayments could be.
How Do I Get Hearing Coverage with Medicare?
Although Original Medicare does not provide routine hearing coverage, there are still options available to help with the cost of hearing services including hearing exams and hearing aides. If you remain with Original Medicare and a Medigap plan, typically you will look at two options for additional vision coverage:
- Hearing Insurance: Hearing insurance plans are plans that enrollees pay a monthly premium toward for a certain specified benefit amount for the year. Typically, hearing insurance plans are in conjunction with dental and vision coverage. Some hearing plans may also have a deductible.
- Hearing Discount Plan: Hearing discount plans are typically paid as an annual fee, rather than a monthly premium. Typically, hearing discount plans are in conjunction with dental and vision plans. These plans work off of pre-negotiated rates with in-network providers, and do not provide reimbursement to the hearing provider’s office. Essentially, these plans offer discounted rates on hearing services.
Give us a call at 877-88KEITH (53484), an experienced agent will walk you through the different vision coverage options available to you.