Taking care of your hearing needs and purchasing hearing aids with Medicare can be tricky without the right information. You may have even heard that Medicare never covers diagnostic hearing evaluations or hearing aids, but that’s not precisely accurate. You’ve probably asked the question, does Medicare cover hearing aids at all? That depends on your medicare plan and the benefits associated.
To help you navigate the Medicare hurdle, your local Las Vegas hearing aid experts here at Hearing Associates of Las Vegas are here to help.
Hearing Coverage Highly Depends On Your Medicare Plan
Most people refer to Medicare as if it is all one type of insurance. However, there are different Medicare plans, and it helps to know which you have when you find you need help with your hearing.
At this time, Original Medicare, Medicare Part A, and most Medicare Supplement—also called Medigap—do not provide any coverage for hearing health care. However, Medicare Part B does provide coverage for diagnostic hearing evaluations if ordered by your doctor, and there are some Medicare Advantage plans, such as Medicare Part C, that can help to cover both hearing testing and hearing aids.
Buying Hearing Aids With Medicare
Not all Medicare Advantage plans come with the same benefits, so you should be sure to review yours carefully. Our hearing clinic can assist in determining if yours comes with coverage for both an in-depth hearing evaluation, as well as checking for how much hearing aid coverage is provided if any is applicable.
Generally, if you do have a Medicare Advantage plan that does offer assistance with hearing aid costs, the plan often outlines what suppliers are covered and what process you need to follow. With the help of our hearing clinic staff, we can help guide you through the process, and as we are an independent hearing clinic, we can secure your hearing aids from most major hearing aid manufacturers with no problem.
Other Financing Options To Purchase Hearing Aids
If your Medicare insurance does not cover the purchase of your hearing evaluation and/or hearing aids and you don’t have an alternate form of health insurance, there are other financial options available here at Hearing Associates of Las Vegas.
Flexible Spending Account / Health Savings Account
You can use your Flexible Spending Account (FSA) or Health Saving Account (HSA) to purchase hearing aids, as they are considered qualified medical expenses. Opting for using a FSA or HSA also means you don’t have to pay taxes on the money first when you buy your hearing aids, as it can be paid directly from these accounts.
There is also financing available through our hearing clinics, with three different third-party financers, which are:
- Wells Fargo
Each of these financing parties offers payment plans of various lengths, allowing you to choose payment options that can run as short as 12 months up to 60 months. We can assist with your application process to make obtaining your payment plan easier.
Along with the other payment plans, you can choose to pay out-of-pocket for your hearing aids. The forms of payment accepted are:
- Debit/credit cards
- Personal check
- Cashier’s check or money order
Starkey Hearing Now
For those who are not able to afford hearing aids, Hearing Associates of Las Vegas also partners with the Starkey Hearing Foundation in their Starkey Hear Now program. As a partnered provider, we can help you apply for hearing aid purchase assistance through the Hearing Now program.
If you are ready to take care of your hearing health care with professionals who will focus on what you need, contact us for an appointment. We can help you review your insurance coverage and help you find the financing options that make sense for your hearing health needs.