Those that have reached the age to be considered a senior should have the opportunity to relax and enjoy their golden years. They should not be plagued with confusing questions about health insurance that add to the worries that they have in their lives, yet the senior insurance health care system is nothing short of perplexing. Questions as simple as if the hearing aids that they are required to use to maintain their quality of life are covered under their insurance plan become confusing coverage questions.
The Medicare insurance program available to those 65 and older is where the confusion starts. Medicare insurance is not all inclusive on in its own right, and includes several “parts” to which the applicant must decide which is best for them. These parts are listed and identified by letters that represent the coverage offered in each of these parts or plans. Seniors must decide which plan is most appropriate for them by looking at each individual plan to decide if the coverage optional available in that plan is required for their personal health situation. Clients that have reduced hearing capacity should pay special attention to Medicare Part B. The Part B plan clearly states that routine hearing exams and hearing aids are not covered under this plan except for specific diagnostic hearing exams and then if only ordered by your doctor.
The Medigap program is a Medicare supplemental insurance program sold by private insurance companies to help to offset the out of pocket costs which the senior incurs with the Medicare program itself. These standardized Medicare supplemental insurance policies are identified with letters A through N to also differentiate between the policies. Though these plans are sold through different insurance providers the coverage must be basically the same in each letter plan. To be eligible for the Medicare supplemental insurance the applicant must be covered under both parts A and B under the Medicare program. Seniors that are required to have hearing aids will still need to pay for their hearing device out of pocket, even with the listed coverage as Medigap insurance does not cover hearing aid expenses for their clients.