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The Water Cooler
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Hearing Aids. Info Needed.
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<blockquote data-quote="Parks 788" data-source="post: 4167629" data-attributes="member: 14646"><p>[USER=10690]@jakeman[/USER] Finally was able to call my insurance. Anthem Blue Cross. Here's what they told me about coverage.</p><p></p><p>I'm responsible for the deductible or CoPay or whatever it's call as I haven't had any medical/doctors visits this year to bring that number down. So, responsible for $250 initially. Then they will cover 80% of any brand hearing aid offered by a company but that 80% coverage is for the basic version of any particlar model. If I want to upgrade to the mid level or high end version of that model then they will cover only the 80% of the basic model price and I'd be paying the rest. Sorta confusing so let me try this.</p><p></p><p>Hypothetical:</p><p>*Basic model cost $1000</p><p>They cover $800 and I pay $200 out of pocket.</p><p></p><p>*Mid range model cost $2000</p><p>They cover $800 (because they only pay 80% of basic model costs) and I pay $1200 out of pocket to make up for the additional price of the better hearing aid. </p><p></p><p>*THey will pay for new hearing aids every three years. </p><p></p><p>Knowing all this I think my game plan is to buy one of the more expensive basic hearing aid models I can find. For instance:</p><p></p><p>If I get a $4000 basic model they will cover $3200 and I will have $800 out of pocket. I</p><p>m guessing a basic model costing $4000 is a far better hearing aid than a mid range model costing $2000. That my thought process anyways. Hope this helps [USER=10690]@jakeman[/USER] .</p></blockquote><p></p>
[QUOTE="Parks 788, post: 4167629, member: 14646"] [USER=10690]@jakeman[/USER] Finally was able to call my insurance. Anthem Blue Cross. Here's what they told me about coverage. I'm responsible for the deductible or CoPay or whatever it's call as I haven't had any medical/doctors visits this year to bring that number down. So, responsible for $250 initially. Then they will cover 80% of any brand hearing aid offered by a company but that 80% coverage is for the basic version of any particlar model. If I want to upgrade to the mid level or high end version of that model then they will cover only the 80% of the basic model price and I'd be paying the rest. Sorta confusing so let me try this. Hypothetical: *Basic model cost $1000 They cover $800 and I pay $200 out of pocket. *Mid range model cost $2000 They cover $800 (because they only pay 80% of basic model costs) and I pay $1200 out of pocket to make up for the additional price of the better hearing aid. *THey will pay for new hearing aids every three years. Knowing all this I think my game plan is to buy one of the more expensive basic hearing aid models I can find. For instance: If I get a $4000 basic model they will cover $3200 and I will have $800 out of pocket. I m guessing a basic model costing $4000 is a far better hearing aid than a mid range model costing $2000. That my thought process anyways. Hope this helps [USER=10690]@jakeman[/USER] . [/QUOTE]
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