I picked a Medicare Advantage plan last year, and I'm not sure if my hearing aids are covered. How do I figure this out?
Answered by 12 licensed agents
1. Call the member services phone number on the back of your card, and inquire as to how the hearing aid benefits work with your specific Advantage plan.
2. or, call the Agent/Broker who helped you enroll in the Advantage plan. He or she should be able to give you the main points of the hearing aid benefits and then point you to phone numbers for third party contractors who provide the hearing aid benefits to this plan.
3. or, obtain the EOC (Evidence of Coverage) pdf document that outlines in detail how all the benefits work, for your plan.
There are several ways you can check the benefits of your plan. I would recommend setting up your account online. You can see your benefits, check on claims, your max out of pocket (MOOP) and more. You can locate your plan on the Medicare.Gov and access your summary of benefits and evidence of coverage. If you are looking for a less technical way, just call the customer service number on the back of your card.
For my clients, I always invite them to call me directly with any questions and I will look up their policy and tell them what benefits they have available to them, including hearing benefits. Benefits vary from policy to policy and from one insurance carrier to another. You can also call the customer service of your insurance company directly, but as your local agent I would always try to go the extra mile to help with any questions.
To find out if your hearing aids are covered, you can review your plan's benefit booklet, contact the plan's customer service, or use the Medicare.gov/coverage tool to search for coverage.
The best way I have found to find if a service or product is covered is by calling the insurance carrier directly. A lot of the βis this covered?β Questions come after a service or product has been purchased which makes things a little more difficult. Ask the carrier ahead of time if a certain hearing aid, dental procedure, durable medical equipment, etc.. is covered and at what in network facility?
A good broker would be able to easily let you know how and what your Advantage plan covers. Or you can always call Member Services on the back of your insurance card and they will be able to let you know.
You could check the plan information online or the booklet sent by the company or you could call the number on the back of your card and ask a representative. Another way is to have an annual of your plan with an agent able to show you benefits.
Look at your Summary of Benefits. It should list all your coverage details. If you can't put your hands on it, call the customer service number on your ID card to have them send another. Good to keep it handy for reference.