State Hearing Aid Insurance Requirements
Some states require a hearing aid for anyone who has a hearing loss of more than 25 dB in the better ear. In some cases, this requirement also applies to people with a milder hearing loss if it affects their ability to carry out everyday activities.
Example of State Coverages
Every state has its standards set, from the most to the least generous, concerning the hearing aid funding it provides. The coverages provided seem specific, and it requires research to decipher availability and eligibility requirements. For an overview of all states, go here. One common requirement includes the mandate to have some sort of employee or group insurance plan.
California
In 2022, California reportedly has one of the most generous hearing aid coverage plans. The state will provide up to at least $1,510 per ear for adults aged 18-64. This could change, but their legislation typically allow for exams, fittings, cleanings and repairs or replacements.
Oregon
Oregon will also have a strong program in 2022, offering at least $1,000 per ear for those meeting income eligibility requirements. You might receive additional assistance for up to $4,000 per year depending on your situation.
Other States
Connecticut may offer approximately $1,000 per ear for children under 12 years of age. However, the state might have limits set to receive these funds once every two years.
Georgia may provide at least $3000 every two years, and Kentucky might require $1,400 hearing aid coverage every three years. Apparently, Vermont doesn’t have any regulations concerning coverage, but they still fight for it as of 2021.
Availability and Eligibility Requirements
The availability of financial assistance varies according to your age and your income level. For example, Rhode Island may offer up to $900 per ear for those aged 65+, while West Virginia only provides aid for those earning below a certain income threshold. The severity of your hearing loss also plays a part in how much assistance you receive.
Types of Hearing Aid Coverage
Typically, people receiving hearing aids may get reimbursement for a certain percentage of the cost after purchasing the hearing aids. Otherwise, the insurance provider pays full or partial payment for the purchase of hearing aids.
Private Coverage
The first is insurance, which will cover a percentage or the full cost of the hearing aids, depending on your policy.
Medicaid Subsidized
The second type of coverage is Medicaid, which covers the entire cost of the hearing aids for those who qualify. Some of these programs may combine with supplemental coverages to pay the balance owed when purchasing your new supply of hearing aids.
Supplemental Plans
There are several companies that offer insurance plans specifically for hearing aids. These plans can vary in price, but they typically offer coverage for repairs and replacements, as well as loss or damage protection.
Discount Programs
Finally, there are some programs that offer discounted rates on hearing aids to those who meet certain income requirements.
Grants and Loans
The National Institute on Deafness and Other Communication Disorders (NIDCD) offers grants and loans for individuals who need assistance purchasing Hearing Aids.