Unfortunately, two-thirds of people with a hearing loss who would benefit greatly from the right hearing treatment avoid getting it. Some avoid it because they don’t think it’s “that bad,” but their loved ones would say otherwise.
Much of the reason for this hesitation is from fear of the cost, but it doesn’t have to be that way. At Flex Audiology, it’s my pleasure to help my Indiana patients defray the investment, and one of these ways is through insurance.
But insurance companies can be difficult to work with, and with so many plans, it can be frustrating trying to find out exactly what you are and are not covered for when it comes to your hearing care.
Spending the time researching your options and getting the hearing care you need will help you avoid the risk of cognitive decline, anxiety, and depression as your hearing worsens. Of the many ways to treat a hearing loss, hearing aids are the best.
Many of our patients ask us about their United Healthcare plan and if it covers the cost of hearing exams, hearing aids, and professional hearing services, so we outline your United Healthcare coverage below. The specifics will depend on your individual policy.
United Healthcare Coverage of Hearing Aids and Hearing Care with Medicare Advantage (Part C) Plans
Many of my patients are now of the age when a hearing loss is more likely, but their original Medicare plan does not cover any of their hearing care costs so they have a supplemental plan or rider to cover those expenses.
United Healthcare has several Medicare Advantage plans in association with the American Association of Retired Persons (AARP). These help with the cost of hearing exams and hearing aids, with coverage depending on your plan and location.
All the Medicare Advantage plans below provide routine hearing care by a hearing professional: $0 copay yearly hearing exam and $375 copay – $1,425 copay for each hearing aid provided through UnitedHealthcare Hearing, up to 2 hearing aids every year.
AARP Medicare Advantage Choice Plan 2 (PPO) – A $10 copay to see a primary care provider and $45 to see a specialist. No monthly premium, no referral required, out of network available, and in-network out-of-pocket maximum: $5,700.
AARP Medicare Advantage (HMO-POS) – No copay to see a primary care provider and $40 to see a specialist. No monthly premium, no referral required, out of network available, and in-network out-of-pocket maximum: $4.900.
AARP Medicare Advantage Patriot (PPO) – A $10 copay to see a primary care provider and $40 to see a specialist. No monthly premium, no referral required, out of network available, and in-network out-of-pocket maximum: $5,500.
AARP Medicare Advantage (HMO) – In-Network: Copayment for Medicare covered benefits and routine hearing exams $0.00. Maximum 1 visit every year. Prior authorization required.
The copayment for hearing aids of $375.00 to $1,425.00 is based on features and style. Maximum 2 hearing aids every year. Prior authorization required for hearing aids.
United Healthcare Medicare Supplement Insurance Plans
AARP® Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company include Plan A–C, F, G, K, L, N. These offer a hearing discount of the AARP member rate plus an additional $100 discount on hearing devices in the top 5 tiers of technology and features, ranging from standard to premium.
Flex Audiology Can Check Your Insurance Benefits for You
Only a doctor, hearing aid specialist, or audiologist can evaluate your hearing loss correctly for United Healthcare to approve costs. Book a hearing evaluation to see what kind of hearing treatment you need.
The sooner you treat your hearing loss, the better. You’ll be able to enjoy all your conversations and phone calls again and feeling alone will be a thing of the past.
To find out exactly what you United Healthcare insurance plan covers, let our Flex Audiology insurance specialist work with your provider on your behalf. This will take the stress of it off your shoulders. We’ll find out quickly what you need to know.