Medicare Plans by Turning 65 Solutions


Hearing Insurance

The older we are, the more susceptible we are to hearing loss, so the need for hearing aids is the biggest concern among seniors between the age of 60 and 69, statistics shows. If you are a senior under Medicare coverage, it is important to know that Original Medicare doesn’t provide any hearing benefits, unless it finds it medically necessary. This includes hearing aids as well because Medicare doesn’t find them to be medically necessary items. However, 88% of Medicare Advantage plans, commonly known as Part C of Medicare, include hearing as part of their additional benefits. If you don’t have a Medicare Advantage plan, another option is. to purchase a hearing insurance plan to help save money, because hearing aids can be very expensive. Let’s discuss your coverage options.

Hearing Insurance and Medicare

Original Medicare (Parts A and B) will not typically provide services like hearing exams, fittings for hearing aids, or hearing aid costs.  You will usually get coverage with Original Medicare (Part B) if you got a referral from your doctor for an exam that has diagnostic purposes. This is only the case if your doctor thinks that this is crucial for your medical treatment. However, you will still have to pay a 20% of coinsurance for provided service.

Medicare Advantage and Hearing Benefits

When it comes to Medicare coverage, only Medicare Advantage plans provide hearing benefits. Medicare Advantage plans are Medicare-approved plans that are sold by private insurance companies which must provide the same basic benefits as Original Medicare. Extra benefits that MA plans include are often, dental, vision, hearing, and drug prescriptions. 

Hearing benefits included in Medicare Advantage plans are often hearing exams and help to pay the cost of hearing aids.  This is still a cost-sharing type of coverage which means beneficiaries can still be left with higher out-of-pocket costs. Some providers may ask a prior authorization before allowing your hearing exams, and typically enrollees are responsible for 80% of hearing aid costs.  The cost of hearing aids may be up to 2300$  which means you will still have to pay 1800$ which is a pretty big amount. 

However, it costs depend on the insurance company you are choosing from, and from the type of plan you are choosing, so make sure to talk with an insurance agent before purchasing a policy to be well-informed about restrictions and benefits.

Stand-alone Hearing Insurance Policy

If you don’t have a Medicare Advantage plan, but want to have hearing benefits, you can purchase a standalone plan policy that offers hearing benefits. Those policies are usually available through Medigap policies, but you can purchase them through private insurance companies like Turning 65 Solutions. The benefits of standalone hearing plans can differ widely by insurer providers, but usually, they can be good plans with great benefits like routine hearing exams, hearing aids, aid fittings, etc.  The most popular packages are those that offer dental, vision, and hearing aid benefits all in one plan with no waiting periods.  Those packages approximately cost 15$  per month. Also, it can help you pay for hearing aids cost can be from 500$ to 1700$ aid per hearing.


Learn More About Hearing Insurance Plans

We know that hearing loss may be one of the main problems for the elderly and the price per hearing aid may be very costly. If you struggle with hearing loss, we can help you find the best plan that best fits your budget and needs. You can purchase senior hearing insurance today at an affordable price, and use it right away. This plan is offered in many states. Call Turning 65 Solutions at 830-308-8953 for more information!

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