Do you sometimes have trouble following conversations or hearing critical information during announcements?
It can be frustrating. And you’re not alone.
That’s because approximately 15% of American adults aged 18 and over (around 37.5 million people) report some trouble hearing. The National Institute on Deafness and Other Communication Disorders (NIDCD) also states that about 28.8 million adults could benefit from hearing aids.
Does this sound familiar?
Yet many people have misconceptions about the investment in better hearing. Most people with hearing loss are confused about whether their hearing aids are covered by their insurance policy.
That’s why we often hear the following: “Does Aetna insurance cover hearing aids?”
The answer depends on your age, plan type, and other factors. So let’s go over that now with a quick review…
Most hearing loss patients fall within the Medicare age range for eligibility, primarily because (as NIDCD points out) about one-third of American adults between the ages 65 and 74 have hearing loss.
This number rises to almost half once you pass 75.
This is a problem because Medicare doesn’t cover hearing aids.
However, several insurance companies (including Aetna) provide Medicare supplement plans that do.
Medicare Advantage (HMO and HMO-POS) Coverage
Both HMO and HMO-POS plans include a health maintenance organization (HMO) option, which generally refers to the primary care physician who manages your care.
HMO and HMO-POS plans allow you to choose freely among providers within the network, while benefits and coverage are limited or restricted outside the network.
The good news is that Aetna’s HMO-POS plans are less restrictive when it comes to choosing providers outside the network. What’s more, some options don’t require a referral. Both HMO-type supplements provide hearing care in varying degrees.
Medicare Advantage (PPO)
In contrast, a Medicare Advantage plan is a preferred provider organization (PPO) type of insurance package. These come with a couple key advantages: PPOs don’t insist you select a care provider within the preferred care provider (PCP) network and they don’t require a referral, either.
Even better, hearing care is covered to at least some degree with an Advantage Medicare supplement.
Medicare Advantage Dual Special Needs (DSNP)
Aetna’s Medicare Advantage Dual Special Needs supplement plans are a little different.
These combine your prescription drug and medical benefits into one plan. They also offer varying degrees of hearing care coverage.
However, eligibility for this HMO-style plan requires meeting specific low-income criteria.
But suppose you’re not old enough to be eligible for Medicare. That takes us to…
While Medicare-eligible individuals are the primary class of patients who require hearing aids, not qualifying for Medicare doesn’t mean you’re unable to get coverage.
This is something our insurance specialist can help you with, because some non-Medicare plans do offer partial coverage, discounts, or benefits to help pay for your hearing aids.
Coverage variables include copayments, deductibles, and coinsurance with optional riders for adults on other plans offered by Aetna. There are also member discounts and specialized programs available within and outside Aetna’s membership network.
This is something you could research yourself to determine your available hearing aid coverage options.
But we have a better idea…
Let Us Help You by Checking Your Coverage
Yes, let us do it for you!
After all, we’re on your side. Dealing with your insurance provider is rarely a fun experience, and that’s why we’re ready to help reduce uncertainty and confusion if you’re an Aetna insurance customer.
Our Pacific Hearing insurance specialist can determine whether your Aetna insurance plan covers hearing aids, hearing tests, premium technology, or complete hearing care.
We also help determine the Aetna insurance copayment, deductible, or coinsurance levels that apply to your specific plan, as well as any PPO network discounts or restrictions included.
It’s all part of our pledge to help you “Hear as Good as You’ll Ever Hear” with our proven methodical approach.
We’ve helped literally tens of thousands of patients, and that’s why we have a reputation for delivering on our promises.
Here’s how to take the next step if you’re an Aetna plan holder: just fill out our online insurance coverage form (see the button below) and we’ll take it from there.
Your completed form will empower our team to answer all the questions you might have concerning hearing aid and hearing care coverage that’s potentially part of your Aetna policy.
Simply contact us today to see why our “Hear as Good as You’ll Ever Hear” guarantee is exactly the right fit for you! Our services are available in English, Spanish, and Russian too.