Kids' hearing aids aren't 'cosmetic.' Insurance should cover them. (2024)

Kids' hearing aids aren't 'cosmetic.' Insurance should cover them. (1)

In Texas, private insurance companies are not required to cover children's hearing aids. They're considered cosmetic devices — even though doctors agree that early intervention for young children with hearing loss is critical. Without hearing aids, it's difficult for the child to learn to listen and speak. And a child who misses the critical period for learning language will require expensive, difficult interventions later.

House Bill 2979 would require insurance companies to cover children's hearing aids. On April 29, Houston father Michael Wachs delivered this testimony before the House Insurance Committee.

What you can do

Sign a petition to support HB2979, which would require insurance companies to cover children's hearing aids.

GOOD AFTERNOON. My name is Michael Wachs, and I've come here from Houston to voice my support for HB 2979....

I also come on behalf of our daughter Iris. Iris was born fifteen months ago. In Texas, as in most states, there are newborn hearing tests in the hospital, which she did not pass. We were told it's not unusual for babies delivered via C-section to have fluid in their ears and affect the test. We were told to go to the ENT two weeks later for another, more in-depth test. Two weeks came and the verdict was final: Iris had permanent hearing loss in both ears.

I don't know if any of you have kids, but the first few weeks of being a first-time parent is a period that's filled with many diapers and little sleep. You have no idea what you're doing or how anything is supposed to be. You are  —  quite literally  —  insane.

As my wife and I sat in the doctor's office receiving the diagnosis and having our lives altered once again, the thing that was drilled into us of the utmost importance was early intervention  —  that is, for Iris to get into hearing aids as soon as possible.

A thick packet with a glossy cover of very major concerns was gently dropped into our laps. Without hearing aids— we were told—  Iris would suffer in school: Following along without being able to hear would, obviously, be quite difficult. Without hearing aids — we were told — children have higher instances of depression and suicide because they feel isolated from the world. Also, the hearing aids — we were told — are not covered by insurance and will be about $6,000, plus routine maintenance like new ear molds.

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Finding out that your daughter is in danger of falling behind in school and feeling isolation before she's three weeks old while you're temporarily crazy is a surreal thing to hear. It's like meeting with a very depressing fortune teller,  and then being asked to pay a $6,000 bill.

The most amazing thing about having a child with hearing loss while living in Houston is being able to be a client of the Center for Hearing and Speech. Because of a grant they have, we were able to borrow a pair of hearing aids for Iris up until she turns 18 months. She received her first pair at six weeks old.

Two weeks ago, we went into our speech therapy appointment and were told that Iris is at a speech level of an 18–24 month old  —  not only on track, but ahead of schedule because of speech therapy, my wife's constant reinforcement, and  —  most critically  —  her hearing aids.

Because of a fortuitous grant we thankfully had access to, we we were able to temporarily not worry about coming up with money or delay one second getting Iris into hearing aids. Because of that early intervention, she is flourishing and talking up a storm.

I have seen the proof firsthand of how much technology and education can nullify hearing loss and allow kids to be kids, to live regular lives  —  full of potential and unhindered by any sort of constraint.

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I will admit that is a little confusing  —  paradoxical? byzantine?  —  to argue the necessity of hearing at a...hearing; at the Capitol, where laws are publicly heard, discussed, and debated. By virtue of the fact of how our whole political system is setup, it practically screams, "Hearing is very important!"

But maybe you feel the government needs reforming. Okay.

I'd like to ask if hearing your favorite song, a breeze; or the voice of your father, mother, husband, wife, son, or daughter is necessary or just a nice luxury?

You have no idea what you're doing or how anything is supposed to be. Bookmark Gray Matters.

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|Updated

By Lisa Gray

Kids' hearing aids aren't 'cosmetic.' Insurance should cover them. (2024)

FAQs

Are hearing aids considered cosmetic? ›

Hearing aids are considered "elective" or "cosmetic" devices by most insurance companies, and that means insurance does not always consider them to be medically necessary.

Why aren't hearing aids covered under insurance? ›

Since hearing loss is a “likely risk” - more than 50% of people over age 75 will have hearing loss - the companies feel there is too high of a possibility that a large number of people will make a claim, therefore increasing costs and reducing profit.

Do hearing aids count towards insurance deductible? ›

Yes, the cost of hearing aids will likely be applied toward your deductible, depending on your insurance plan.

Are my hearing aids covered on my house insurance? ›

Usually, unless your home insurance specifically excludes medical equipment, your hearing aid should have coverage under the personal property section of your home insurance. As long as the cost of a new hearing aid exceeds your deductible, you should be able to submit a claim to replace it.

What is the new law about hearing aids? ›

In August 2022, the Food and Drug Administration (FDA) finalized a Rule allowing certain hearing aids to be sold without the involvement of a licensed professional—that is, over the counter (OTC)—beginning in October 2022.

Can I claim for hearing aids? ›

Depending on how severely your hearing loss affects you, you may be eligible for high-rate PIP for hearing loss. You may also be eligible for PIP with mild to moderate hearing loss if you require hearing aids or other technology, such as assistive devices, to help you communicate.

Is having hearing aids a disability? ›

You might think that if you need a hearing aid, then this automatically means that you are classed as having a disability. However, this is not the case. To qualify for a disability, you will need to complete several hearing tests that will demonstrate you are experiencing hearing loss.

How do people afford hearing aids? ›

You can get hearing tests and other hearing services with Medicare. Medicaid often covers hearing aids for adults. Medicaid must pay for hearing aids for children. You may qualify for Medicaid if you have a disability or do not make a lot of money.

Why do hearing aids cost so much money? ›

Hearing aid expense overview

Hearing aids are expensive due to the advanced technology they incorporate, including miniaturised electronics, Bluetooth connectivity, and rechargeable batteries. Extensive research, development, and customisation for individual needs also contribute to high costs.

How much do hearing aids cost at Costco? ›

Prescription Costco hearing aids range in price from $1,499–$1,599 per pair, but can get more expensive if you need custom ear molds. Every rechargeable hearing aid purchase includes the charger, but you'll pay extra if you need accessories like a remote control or TV streamer.

How often can you claim hearing aids? ›

How often can I claim a replacement device? You can claim for a replacement appliance every 5 years.

Is loss of hearing a disability? ›

[4] People with a variety of hearing conditions (including deafness, being hard of hearing, experiencing ringing in the ears, or having sensitivity to noise) may have ADA disabilities.

How come hearing aids are not covered by insurance? ›

Most private insurance companies regard hearing aids as optional, so insurance coverage may not be a part of your insurance plan. Some notable exceptions include: Aetna: Some plans may offer payment support or reimbursem*nt for OTC hearing aids that are deemed medically necessary by an audiologist.

Are hearing aids a write off? ›

Yes, if you meet certain requirements, you can deduct the costs of your hearing aids on your tax return. The IRS considers hearing aids to be a qualified medical expense. But you will need to itemize deductions on Schedule A of your tax return.

Should you insure hearing aids? ›

Why should I insure them as specified items? If you lose or damage your hearing aid and they are not specified on your policy, you may find that your claim limit does not cover the amount you need to replace the hearing aids, leaving you liable for any additional costs.

What are hearing aids classified as? ›

Healthcare providers categorize hearing aids into five types: behind-the-ear (BTE), in-the-ear (ITE), receiver-in-the-ear (RITE), in-the-canal (ITC) and CROS/BiCROS.

Can you claim disability for wearing hearing aids? ›

It is important to remember that the level of hearing loss itself doesn't determine entitlement to disability benefits. Whether or not your child uses hearing technology, can lip read or uses sign language also makes no difference, as they may still be entitled to the benefit.

Are hearing aids considered a medical expense by the IRS? ›

The IRS considers hearing aids to be a qualified medical expense. But you will need to itemize deductions on Schedule A of your tax return.

What type of medical device is a hearing aid? ›

Hearing aids are medical devices defined by the Food and Drug Administration (FDA) as “any wearable instrument or device designed for, offered for the purpose of, or represented as aiding persons with or compensating for, impaired hearing.”1 As detailed below, FDA regulates hearing aids as Class I or Class II medical ...

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