“Medicare Hearing Aid Coverage: Unveiling the Facts”

**New Over-the-Counter Hearing Aids: A Low-Cost Solution**

Hearing problems are prevalent among older adults, with one in three people over the age of 65 and nearly half of those over 75 experiencing hearing difficulties. Unfortunately, most hearing loss is gradual and permanent. While hearing aids are the most common solution, they are not covered by traditional Medicare.

Until recently, hearing aids were only available by prescription, including assessment, testing, and fitting by an audiologist. However, these prescription hearing aids can be expensive, costing several thousand dollars per pair on average. As a result, three-quarters of Medicare beneficiaries who need hearing aids do not have access to them, according to a report from The Commonwealth Fund.

The Link between Aging and Hearing Loss

Age-related gradual hearing loss, known as presbycusis, occurs due to changes in the inner ear, hearing nerves, and the brain’s ability to process speech and sounds. Other factors that can affect hearing include diabetes, poor circulation, noise exposure, and certain medications. Symptoms of hearing loss may start with difficulty hearing higher-pitched sounds, followed by trouble with softer voices and understanding speech in noisy environments.

The Connection between Hearing Loss and Health

Addressing hearing loss is not only crucial for improving sound processing but also for preventing other health disorders. Hearing aids assist in keeping the brain active, as the brain’s function controlling sound processing can deteriorate with hearing loss. This deterioration can lead to balance issues and a propensity to avoid physical activity. Additionally, hearing loss can result in social isolation and mental health concerns.

The Potential of Over-the-Counter Hearing Aids

For individuals with mild-to-moderate hearing loss, over-the-counter hearing aids may offer a lower-cost solution. However, it is essential to note that these devices are not suitable for everyone. Since most over-the-counter hearing aids are self-fitting through a smartphone app, users miss out on a comprehensive assessment and personalization provided by a trained hearing specialist. It is worth mentioning that traditional Medicare does not cover these hearing aids either.

Finding Solutions for Hearing Aid Costs

While traditional Medicare does not cover hearing aids, there are alternative options for Medicare beneficiaries to explore:

1. Coverage through Medicaid, Medicare Advantage plans, private insurance carriers, and charitable organizations, which may partially or fully pay for hearing aids.
2. Financing or payment plans available through audiologists to help with the cost of hearing aids.
3. Certain Medigap insurers offering memberships in hearing care discount programs that offer substantial savings.
4. Current or former employer’s health plans may provide coverage for hearing aids. It is advisable to review the policy or consult with the plan administrator.

Medicare Coverage for Cochlear Implants

Medicare Part B offers coverage for cochlear implants, which are electronic devices that restore hearing by directly stimulating the responsible nerve. However, to qualify for this procedure, individuals must have tried hearing aids that proved ineffective.

Efforts to Expand Medicare Coverage for Hearing Aids

Several members of Congress have been advocating for legislation to include Medicare coverage for hearing aids, as well as dental and vision services. However, industry groups and commercial insurers have influenced other lawmakers to vote against these bills. Representative Debbie Dingell of Michigan reintroduced legislation to allow Medicare to cover hearing aids. The bill has been referred to the House Subcommittee on Health.

Protecting Your Hearing

Experts recommend taking the following steps to safeguard your hearing:

1. Get a baseline hearing test, covered by Medicare.
2. Wear hearing protection when exposed to loud noises, such as concerts or while mowing the lawn.
3. Keep the volume of your TV and audio devices at a reasonable level, where they cannot be heard from another room.
4. Consider using custom earphone molds, specifically designed to fit your ear canal and block external noise, if you frequently use headphones for audio listening.

In conclusion, the prevalence of hearing problems among older adults highlights the importance of finding accessible and affordable solutions. While traditional Medicare does not cover hearing aids, over-the-counter options may offer a low-cost alternative for some individuals. It is essential to explore other coverage options and take steps to protect your hearing for overall well-being.