Navigating the world of hearing aid insurance can be a confusing and overwhelming process. We offer a dedicated team of trained professionals to advocate for you and partner with you to receive the hearing aid coverage you are entitled to.
We have been serving the people of West Texas with our offices in Lubbock and Snyder for many years and in that time, we’ve become specialists in dealing with insurance companies like Blue Cross Blue Shield (BCBS).
This article will provide an overview for patients who have a variety of Blue Cross Blue Shield (BCBS) plans. The information in this article is not however, a guarantee of benefits, but simply intended to help patients navigate typical policies, there are always exceptions to the rule.
Blue Cross Blue Shield Health Select
This plan typically pays $1000/ear for patients who have hearing loss and meet the plan’s qualifications. It typically pays this amount every 36 months and no deductible is required to be met for coverage.
With health select plans, a referral from your physician is required.
Blue Cross Blue Shield PPO
These plans usually offer some coverage for hearing aids, however it is a percentage of the allowable which can be confusing for the patient.
Allowables are negotiated between the business and the insurance when contractual agreements are made during the credentialing process.
A percentage of the allowable does not mean a percentage of the total price of the device. It is a lower amount that varies depending on the specific plan. Our team utilizes formulas in order to calculate this amount for you.
No referral from your physician is required with PPO plans.
PPO plans are nice, because they allow direct access between the patient and the audiologist and do not require a referral from the physician.
These PPO plans also typically have a deductible which means that hearing aid will only be covered at the agreed amount after deductibles have been met. The remainder of the patient deductible must be subtracted from total coverage.
Plans with deductibles are great to utilize toward the end of the year as most patients have met the majority of their deductible by then and would therefore qualify for better coverage for hearing aids.
Blue Cross Blue Shield HMO
These plans are the same as PPO plans mentioned above, however they do require a referral from the patient’s primary care physician in order to have access to care from an audiologist.
Cornerstone Audiology is in network and is a participating provider with this type of health insurance.
Do you have one of these policies or are you interested in finding out what your exact and specific hearing aid coverage is?
Click the button and fill out the simple form.
One of our insurance verification specialists will verify your benefits and schedule you to review this information with a provider in person in order to assess all of your options for hearing aid coverage.