Use Health Benefits and FSA & HSA Funds to Your Advantage
Hearing insurance, while only offered to about 15 percent of the workforce, can contribute significantly toward the cost of testing, products and treatment.
Regardless, these benefits run dry at the end of the year if they aren’t used, so be sure to contact your insurer for more information about your specific policy. If Hunterdon Audiology Associates is a preferred provider with your insurance company, we will directly bill your insurance for payment.
Your employer may also offer an FSA or HSA (flexible spending account or health spending account) that pulls money from your paycheck pre-tax and sets it aside for future medical expenses. In this case, the costs would still come out of your pocket, but it would be untaxed. Typically, if unused, these benefits will disappear at the end of the calendar year. Be sure to contact your insurer for more information about your specific polity. If you’ve already used your FSA funds for the year, please consider what your hearing needs will be next year when you sit down with your company’s benefits coordinator and decide how much of your paycheck you’d like to reserve tax-free.
Hunterdon Audiology Associates is a participating provider with the following insurance companies:
Horizon Blue Cross Blue Shield NJ
Blue Cross / Blue Shield
Frequently Asked Questions
Will Medicare pay for my hearing care needs?
Medicare Part B (Medical Insurance) will cover the initial diagnostic hearing and balance exams only if your primary care physician orders these tests based on symptoms, conditions, or complaints that would require medical treatment. Medicare does not currently cover routine hearing exams or treatment, including hearing aids or exams for fitting hearing aids.
Will Medicaid pay for my hearing care needs?
If receiving Medicaid or other state Medicaid insurance products, you are probably covered for hearing and balance testing, medically necessary treatments – including hearing aids, accessories, repairs and related items. To determine if you are eligible for Medicaid, contact the State Department of Human Services or go to the state website for information.
Are there other sources of hearing care assistance?
The State Division of Vocational Rehabilitation provides assistance for persons who are currently working or willing to work. It is income-based. Contact the Division to determine eligibility. There are a number of local and national organizations that provide assistance for people who are financially needy, but not Medicaid eligible. These include such organizations as the Lions Club, Starkey Hearing Foundation, Hear Now, and Kiwanis.
Is there any special assistance for children?
There are several additional possibilities for children besides those listed above. Under New Jersey’s Grace’s Law, some insurance companies are obligated to provide $1,000 per hearing aid ear for those children 15 years old and younger. You must call your insurer to see if they are required to provide this benefit. Children with hearing loss (and other disabilities) should be registered with the State’s Special Child Health Services. Although income based, they can contribute to costs not only for hearing aids, but other services and treatment a child needs. School-aged children should be brought to the attention of their Child Study Team. The team evaluates the child from a number of perspectives and includes the hearing loss results and recommendations provided by the audiologist. They devise an Individualized Education Plan (IEP) that may include classroom assistive devices and a variety of auditory therapies.
Does my insurance offer any hearing benefits?
Hunterdon Audiology Associates is a preferred provider for most medical insurance plans, some of which carry a hearing aid benefit. It is important that you check with your insurance provider for information regarding hearing benefit coverage, which you can typically find by contacting your insurer’s customer service line. Although we can provide some assistance with this process, your individual insurer will have more details.
Why do hearing aids cost so much?
The cost of hearing aids is usually the result of a few things: the quality of sound that the unit produces, the features included that help the user hear better, the quality of the components of the unit, and the custom fitting and follow-up care by the specialist who fits your hearing aids. Although inexpensive hearing aids do exist, they are typically made with low-quality components, are not correctly fit to treat your specific hearing loss, and do not include any professional care by a highly trained provider who will help you get the most out of your investment.