Why Does Insurance Not Cover Hearing Aids?

[Mohamed2009]

There's no reason why insurance shouldn't cover hearing aids because people genuinely need them. Why don't all states, countries, and cities make it mandatory for insurance to cover hearing aids? It seems like insurance companies will only cover them if required to by law, which is troubling because hearing aids are essential. Sensorineural hearing loss is not being taken seriously, and it has become a public health crisis. Hearing aids are expensive, yet insurance often considers them elective or cosmetic devices. This is misguided; hearing aids aren't optional; they are necessary for those with hearing loss to function in daily life. The lack of coverage shows a disregard for health, reinforcing the perception that insurance companies prioritize profit over people.

Some states, cities, and countries have made insurance coverage for hearing aids mandatory, but many have not. Why can't the U.S. make this a requirement nationwide? The needs of people should outweigh the business interests of insurance companies. It's disheartening to see insurance companies put profits over people's well-being. I wish they cared more about the health impact of sensorineural hearing loss, and that more research was being done in this area.

In the U.S., over-the-counter (OTC) hearing aids are now available, which can be a more affordable option, but these are generally only suitable for mild to moderate hearing loss. Those with severe or profound hearing loss still need prescription hearing aids. If hearing aids aren't sufficient, some people may consider cochlear implants or even auditory brainstem implants. However, none of these options restore normal hearing, which highlights the urgent need for more research into a cure for sensorineural hearing loss.

The real question is: why are there so few clinical trials for hearing loss? Hearing seems to be one of the most neglected areas in medical research, possibly only surpassed by vision in terms of neglect. There are particularly few trials focused on acquired sensorineural hearing loss, such as those caused by ototoxic drugs, noise exposure, or aging. We need more serious research and more clinical trials for hearing loss because this is truly a public health crisis that deserves more attention and resources.

 

[Jupiterman]

You've mentioned in a previous post, @Mohamed2009, the lack of a cure and insufficient research.

I did try to explain, but I sense a misunderstanding about the limitations of the inner ear's functionality.

The main issue is that, for reasons still unknown, hair cells in mammals do not regenerate, repair, or replace themselves, though they can in birds, fish, and reptiles. Developing a "cure" to reverse this natural limitation of cochlear self-repair is an incredibly difficult task. As much as it pains me to say it, achieving this may not even be possible.

If a treatment is to be developed that enables hair cells to regrow, replace themselves, and fully function again, it will likely require a medical technology that does not yet exist.

Until that happens, no matter how much funding goes into research, a cure is unlikely for a long time, probably decades at the very least.

I believe researchers are aware of this. Companies also recognize the risks, as demonstrated by the challenges faced by Frequency Therapeutics and Otonomy, both of which attempted the seemingly impossible and ultimately failed. These companies have employees and families to support and cannot afford such failures.

Rather than assigning blame, I encourage a better understanding of the complexities and limitations of the auditory system. The best approach to hearing loss is to take preventive action and protect your ears before any damage occurs.

 

[RunningMan]

There's no reason why insurance shouldn't cover hearing aids because people genuinely need them. Why don't all states, countries, and cities make it mandatory for insurance to cover hearing aids? It seems like insurance companies will only cover them if required to by law, which is troubling because hearing aids are essential. Sensorineural hearing loss is not being taken seriously, and it has become a public health crisis. Hearing aids are expensive, yet insurance often considers them elective or cosmetic devices. This is misguided; hearing aids aren't optional; they are necessary for those with hearing loss to function in daily life. The lack of coverage shows a disregard for health, reinforcing the perception that insurance companies prioritize profit over people.

Some states, cities, and countries have made insurance coverage for hearing aids mandatory, but many have not. Why can't the U.S. make this a requirement nationwide? The needs of people should outweigh the business interests of insurance companies. It's disheartening to see insurance companies put profits over people's well-being. I wish they cared more about the health impact of sensorineural hearing loss, and that more research was being done in this area.

In the U.S., over-the-counter (OTC) hearing aids are now available, which can be a more affordable option, but these are generally only suitable for mild to moderate hearing loss. Those with severe or profound hearing loss still need prescription hearing aids. If hearing aids aren't sufficient, some people may consider cochlear implants or even auditory brainstem implants. However, none of these options restore normal hearing, which highlights the urgent need for more research into a cure for sensorineural hearing loss.

Well, even if insurance "covers", it doesn't mean they will cover very well. There are laws in my state, but deductibles and co-pays are allowed. My insurance company "covers" hearing aids, but you still have to meet your deductible first, which is often thousands of dollars, and then after you meet your deductible, they only cover 50% of the cost with a cap of $2500 per hearing aid's cost. They will cover 100% up to $2500 per hearing aid only if you have met your out-of-pocket maximum for your policy, which is normally thousands more than the deductible. So, it helps some, but it's still expensive, even with insurance, unless you've already hit your out-of-pocket cap for the year or are very close to doing so.

Regular Medicare doesn't cover hearing aids. Some Medicare Advantage plans might.

 

[momus]

What's worse is that many insurers don't cover dental, as if teeth aren't part of your body or something—just a bunch of extra enamel you can do without, in their minds.

 

[RunningMan]

What's worse is that many insurers don't cover dental, as if teeth aren't part of your body or something—just a bunch of extra enamel you can do without, in their minds.

Dental was a totally separate option when I bought my insurance. None of the health care plans included it.

 

[boneman]

Insurers don't tend to cover things that have poor odds. There are shareholders to pay.

 

[momus]

The short answer is that insurance companies do it simply because they can.

What I want to know is, why isn't dental care covered? Someone could be stone deaf and toothless and still get no help, even if they have "medical insurance." That, folks, is what you call a racket.