Use Health Benefits and FSA Funds to Your Advantage
Only about 25% of people in the U.S. have some level of insurance coverage for hearing aids, but it can significantly reduce out-of-pocket costs. Flexible spending account or health savings account (FSA or HSA) benefits can also help — though FSA funds often expire at year’s end unless your plan includes a small rollover or grace period. Check with your insurer or benefits coordinator for details.
If Advanced Hearing Care is a preferred or in-network provider with your insurance company, we’ll directly bill your insurance for payment. Your employer may also offer an FSA or HSA that deducts funds from your paycheck pre-tax and sets them aside for qualified medical expenses. In this case, the cost is still out of pocket, but it’s untaxed.
If you’ve already used your FSA funds for the year, consider future hearing needs when speaking with your company’s benefits coordinator and deciding how much to set aside tax-free for the coming year.
Insurance Providers
- AARP Medicare Complete*
- Advantage Health Solutions Inc.
- Aetna
- Anthem
- Blue Cross Blue Shield
- Cigna Healthcare*
- Encore Health Network
- Federal Blue Cross and Blue Shield
- Humana
- Medicare
- Medicare Advantage
- Medico Inc.
- ProHealth/HealthMark (Community Gold & Silver plans)
- Railroad Retirement Board GBA
- Start Hearing
- Tricare
- TruHearing
- United Auto Workers hearing benefits
- UnitedHealthcare
- United Steelworkers hearing benefits
*Out of network
The above insurance list isn’t exhaustive; many other insurance plans may also fall under one of these major networks. All secondary or supplemental insurances are all accepted in or out of network, even if not listed above, when primary insurance is in network. Primary insurances out of network may still pay a percentage of the claim with a physician’s order.
Most insurance will cover diagnostic testing while some insurance companies may provide benefits toward the purchase of your hearing instrument. Advanced Hearing Care will assist you in determining a benefit that can aid in the cost of the instruments and in many cases will directly bill your insurance for payment.
Advanced Hearing Care participates with many payers who offer a benefit toward payment of your hearing instruments. Please have your insurance card information when calling to inquire whether you’re eligible for benefits related to our services.
Out-of-network plans can sometimes be matched in cost by reducing services. We’re happy to go over your options — and answer any questions you may have — at your appointment.
Medicaid Hearing Aid Coverage
Indiana Medicaid covers hearing aids for eligible individuals when medically necessary and approved in advance. A comprehensive hearing exam by a Medicaid-approved audiologist is required along with documentation showing a significant benefit. Adults may qualify for one hearing aid with prior authorization, though certain types of devices may be excluded, and specific hearing thresholds must be met.
Though Advanced Hearing Care isn’t in network with Indiana Medicaid, we’re committed to making hearing health care accessible. We can match Medicaid-allowed rates for out-of-pocket payment, giving you the opportunity to receive high-quality care and trusted technology without sacrificing affordability. Please contact us to learn more or to see if this option may work for you.