Free Hearing Aids: Eligibility Criteria & Top Financial Assistance Programs [The Charlotte Observer] - Insurance News | InsuranceNewsNet

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Free Hearing Aids: Eligibility Criteria & Top Financial Assistance Programs [The Charlotte Observer]

Charlotte Observer (NC)

Several top-rated suppliers provide low-cost or complimentary free hearing aids. However, it is crucial to acknowledge that all hearing aids are different. One brand may offer more appropriate choices depending on your financial status and preferences.

To help you choose the most appropriate hearing aids for your requirements, we have examined and gathered a list of the most highly rated, budget-friendly, and free hearing aids.

The Best Free Hearing Aids in 2023

Jabra Enhance - Best free hearing aids overall

Audien - Best free invisible hearing aids

Audicus - Best free hearing aids for quality sound

Eargo - Best CIC free hearing aids for tinnitus

MDHearing - Best rechargeable free hearing aids

Starkey - Best free hearing aids for tinnitus

Widex - Best RIC free hearing aids

Phonak - Best free hearing aids for severe hearing loss

Oticon Real - Best Bluetooth free hearing aids

Quick Verdict on Best Free Hearing Aids

The cost of purchasing a pair of the best-rated hearing aids can significantly impact your finances since the average cost of one hearing aid is around $2,300.

Despite this, several options can help you acquire hearing aids at a discounted price or even for free.

While it may not always be easy, our team has conducted thorough research on discounts, insurance, and resources that may help you save money or acquire hearing aids at no cost.

Free Hearing Aids Programs

First, check with your health insurance provider to see if they provide coverage for hearing aids to secure financial assistance for hearing aids and other technology.

Additionally, exploring the programs mentioned on this website is worth exploring to see if you meet their eligibility criteria.

It is important to thoroughly evaluate all available options to obtain the necessary financial support for hearing aids from any of the listed organizations or programs.

The Lions Club

Medicaid

National and state foundations

The Veterans Health Administration

Insurance and Medicare

Vocational rehab

The Lions Club

In 1917, a service organization called the Lions Clubs International was founded in Chicago, Illinois, and it is widely recognized. Its current headquarters is in Oak Brook, Illinois, and it has an extensive network of over 46,000 local clubs and 1.4 million members across 200 countries, including Iraq, Ethiopia, and China [1].

The organization’s mission is to serve, and its name stands for Liberty, Intelligence, and Our Nations’ Safety (LIONS). The Lions Club offers a range of programs and activities to improve and support communities, such as service projects, youth programs, environmental initiatives, and providing the best hearing aids to those in need.

Public donations, members’ contributions, and grants from the Lions Club International Foundation, which are exclusively used for charitable purposes, provide the Lions Club with funding.

Although each Lions Club operates independently and customizes their volunteer work to meet the unique needs of their respective communities, the organization as a whole focuses on five major areas worldwide: Diabetes, Vision, Hunger, Environment, and Childhood Cancer.

Additionally, many Lions Clubs prioritize aiding those with hearing loss by distributing hearing aids through two initiatives, the Hearing Aid Recycling Program and the Affordable Hearing Aid Project.

Lions Clubs collect hearing aids from different regions, which are then sent to recycling centers to be cleaned and restored. These hearing aids are then used in various ways.

The Lions Club works together with local hearing healthcare providers, such as licensed audiologists, to help individuals who require hearing aids by providing them with fitting services.

In addition, they give hearing aids to a team of medical professionals who distribute them to disadvantaged individuals living in developing countries.

If some hearing aids cannot be fixed or repurposed, their components are handed over to manufacturers of hearing aids. The Lions Club can receive credit from these manufacturers to acquire new hearing aids for people requiring them, and no details are left regarding this arrangement.

Each year, the Lions Club Hearing Aid Recycling Program receives a significant number of donations of hearing aids. If you have any hearing aids you no longer need, you may want to donate them to this program.

To do so, you can securely package them in a container like a pill bottle and drop them off at a Lions Club hearing aid collection container at various community centers, including town halls, libraries, and senior centers.

Another option is to send your hearing aids to the nearest Lions Club Hearing Aid Recycling Center, which you can find by checking their website for the location closest to you.

Lions Affordable Hearing Aid Project

Working with Lions Club organizations, hearing health professionals and audiologists team up to furnish free hearing aids to individuals, both adults, and children, who require them. These groups assess the eligibility of candidates by arranging the best online hearing tests and evaluating their financial and insurance status.

Candidates are eligible if they have a low income and no insurance coverage for hearing aids. A licensed audiologist must also confirm that the candidate would benefit from the free hearing aids.

Those who want free hearing aids through the Affordable Hearing Aid Project must submit a written request to their local Lions Club, which will review the request and provide the necessary application forms.

Upon submission of your hearing aid application to the Lions Club, it will be received by the Hearing Aid Bank Committee through the same channel.

To acquire free hearing aids, locating the nearest Lions Club and contacting them is possible. The local Lions Club will then work with the Affordable Hearing Aid Project to deliver the hearing aids to you.

The hearing aid parts will be adjusted to fit your needs, and the Lions Club’s hearing healthcare associate will provide any further care or changes required.

Medicaid: Free Hearing Aids

Medicaid coverage for hearing aids in the US is not consistent across states. The extent of coverage varies from state to state, with some offering full device coverage while others only cover hearing assessments and maintenance.

Regrettably, a few states do not provide any Medicaid coverage for hearing services and devices, which burdens low-income seniors who have to pay out of pocket.

To find out if you are qualified, it is highly recommended that you contact your state’s Medicaid office and the Hearing Loss Association of America for detailed coverage information.

If hearing aids are not covered under Medicaid, or you are not eligible, there are other resources you can explore.

National and State Resources for Free Hearing Aids

Organizations and agencies at both national and state levels offer support to senior citizens who require assistance in buying hearing aids.

These organizations can be contacted by seniors seeking financial aid, and after completing the necessary paperwork, their eligibility for assistance can be determined. Although obtaining aid may be time-consuming, it is worth the effort as it can save seniors a lot of money.

HearingLoss.org and the Hearing Aid Project provide financial assistance options, and local resources can be obtained through the local Area Agency on Aging (AAA).

Free Hearing Aids From the Veterans Health Administration (The VA)

Hearing loss is the most common injury associated with military service in the United States [2].

Veterans currently suffering from hearing loss in their later years may qualify for free or discounted hearing aids from the Veterans Health Administration, which is a part of the U.S. Department of Veterans Affairs.

How To Qualify for VA Healthcare

To receive free hearing aids from the VA, it is necessary to first apply for healthcare coverage through the Veterans Health Administration (VHA).

The Veterans Health Administration (VHA) is responsible for delivering healthcare facilities to veterans. Still, it is not responsible for deciding whether the injuries or disabilities they sustained during their service are service-connected.

Eligibility for coverage can be established online, by phone, or by visiting a nearby VA Medical Center or Community-Based Outpatient Clinic (CBOC) and requires the submission of DD-214 and health insurance cards.

A “means test” may also be conducted, so providing tax returns can speed up the process. Once qualified for general VA healthcare, audiology care, including hearing evaluations, hearing aids, assistive hearing technologies, and cochlear implants, if necessary, are automatically available.

Additionally, the VHA offers comprehensive assessment and treatment for tinnitus.

If your income surpasses a specific threshold, you should pay around $100 for the assessment and fitting process. Provided that you meet the qualifying requirements, the entire expense of hearing aids will be handled.

Moreover, you will receive batteries, consumable supplies, and post-treatment care. If you are eligible but have already bought hearing aids somewhere else, you can enroll them with the VA and get the best rechargeable hearing aids and other supplies for free.

The hearing aids provided by the VA are of top-notch quality and are manufactured by the top six companies and their affiliates. In addition, the VA agreement includes other essential items such as Bluetooth streamers, advanced remote microphones, and personalized alert systemsthat ensure crucial notifications like smoke alarms and carbon monoxide are audible.

If your hearing impairment is linked to your military duty, you must file a claim with the Veterans Benefits Administration. To receive hearing aids from the VA, you must fulfill the eligibility requirements for VHA healthcare, and there is no requirement for a service connection for tinnitus or hearing loss.

Free Hearing Aids: Insurance Coverage

We go over the different programs that include coverage for hearing aids.

Private Insurance

Most private health insurance plans do not provide full coverage for hearing aids but often cover hearing assessments and fittings. Depending on the plan, hearing devices may have a copay or out-of-pocket cost.

Some plans have arrangements with certain hearing aid providers to offer discounted rates, which could lead to a more affordable and high-quality hearing aid. It is important to reach out to your insurance provider and review the details of your plan since there are significant variations between plans.

When speaking with a representative, asking the following fundamental questions is recommended:

How much better will my hearing be using this device?

Are there restrictions on the sorts of hearing aids that may get reimbursement?

Is it necessary for me to use a network hospital or doctor?

To ensure complete information and accountability from your insurance provider, it is recommended to request a written record of your benefits either through postal service or email.

This will help you understand the extent of your coverage and hold your insurance provider responsible.

Medicare Advantage

Medicare Advantage plans are not uniform in offering hearing aid coverage. The availability of coverage depends on your insurance company and the state you live in. It is advisable to contact your Medicare Advantage representative to obtain information about the extent of coverage for hearing services included in your plan.

Health Savings Plans

In case you have utilized all other options and are left with no choice but to pay for your hearing aids from your pocket, it is important to remember to utilize your health savings plan if you possess one.

As hearing aids are classified as medical equipment, they can be bought using a health savings plan. The purchase of hearing aids can be made using various health savings plans, including:

Flexible spending account (FSA)

Health savings account (HSA)

Health reimbursement account (HRA)

Free Hearing Aids From Vocational Rehabilitation

These programs can be advantageous for people with disabilities as they aid them in acquiring or retaining employment.

Senior citizens who have not retired and need hearing aids to carry out their job duties or secure employment can qualify for hearing aid coverage through the vocational rehabilitation program of their state.

It is recommended that older adults contact their state officials to assess their eligibility for vocational rehabilitation services and hearing aid coverage.

Hearing Aid Foundations May Offer Assistance

Miracle-Ear and Starkey, prominent firms in the hearing aid sector, have established charitable organizations that provide hearing aids to people who need them but may not be able to afford them.

You may visit their websites and applications to determine your eligibility for aid from these foundations.

Free Hearing Aid Financial Assistance Information

People of any age group can explore multiple resources that offer monetary support for purchasing hearing aids. There are several ways to seek financial aid for buying hearing aids.

Children

Children’s Health Insurance Program (CHIP) and Children’s Medicaid: The Texas Health and Human Services Commission provides insurance programs specifically designed to meet the needs of children.

Medicaid Buy-In for Children:Families with a disabled child who exceeds the standard Medicaid eligibility requirements can still receive Medicaid coverage by paying for the service, commonly called “buy-in.”

Children with Special Healthcare Needs (CSHCN): The Texas Health and Human Services Commission provides the CSHCN program, which specifically addresses the healthcare needs of children with disabilities, chronic illnesses, and exceptional medical needs. The program also extends its coverage to eligible children for speech and hearing services.

Private insurance: Benefit plans are required to offer coverage for hearing aids, cochlear implants, related services, and supplies for children under 18.

Public schools: Under the Individuals with Disabilities Education Act (IDEA), children are eligible to obtain the best children’s hearing aids, assistive technology, and associated services without any exceptions [3].

The Hearing Improvement Kids Endowment Fund (HIKE) Fund, Inc: The HIKE program provides hearing aids to children under 20 who are experiencing hearing impairment. There may be specific income criteria that have to be fulfilled.

Military Members

TRICARE: Those enlisted in the armed forces and their family members may be eligible for hearing aids, along with associated equipment and services, as a component of their TRICARE benefits, provided that they fulfill specific requirements for hearing impairment.

U.S. Department of Veterans Affairs:For veterans to qualify for hearing aids, they need to first enroll at the health administration or enrollment department located in a VA Medical Center.

Retiree Assistive Listening Devices Program (RALD): Williams Sound Corp has allied with the armed forces to provide reduced-price assistive listening devices for retired military members and their loved ones.

Seniors

Area Agency on Aging (AAA): The primary responsibility of the AAAs is to assist people aged 60 or above in locating and utilizing community services. AAAs may also possess financial resources to acquire the best hearing aids for seniors in certain instances.

People of All Ages

Medicaid: Certain state programs may have provisions that provide hearing care and hearing aids, but eligibility for these provisions may be based on income criteria.

Private health insurance: Private health insurance can cover certain costs related to hearing aids.

Vocational Rehabilitation Services (VR): Individuals with disabilities can receive aid from any VR center in their state to prepare for, obtain, maintain, or advance in a job, as well as assistance in preparing for higher education. People who qualify for VR services can receive hearing aids and other supportive devices.

Civic organizations: Community-based non-profit organizations such as Sertoma, Lions Club, Kiwanis, AMBUCS, and other civic groups may have financial assistance programs for the procurement of hearing aids or programs to restore and reuse used hearing aids.

Aid the Silent: Financial assistance is available through the program for a range of communication resources such as hearing aids, assistive communication devices, speech therapy, and sign language training. In addition, support is provided for the education of deaf children aged from birth up to 22 years. Meeting certain income eligibility requirements may be necessary to qualify for the aid.

Centers for Independent Living (CIL): Private, non-residential organizations exist to assist individuals with disabilities in attaining their objective of independent living. For example, Texas Health and Human Services funds some organizations to support eligible individuals with services and technology, including hearing aids.

Starkey Hearing Foundation: Hearing healthcare providers have the opportunity to receive donated Starkey hearing aids, but they may need to meet certain income eligibility requirements and pay an application fee that can be reimbursed at a later time.

Help America Hear: The group provides affordable or free hearing aids to people with limited financial resources and grants scholarships to aid them in pursuing their educational goals.

Miracle-Ear Foundation: This initiative aims to assist people with hearing disabilities by providing them with hearing aids. However, the program may have specific income requirements that individuals must meet to be considered eligible.

National Hearing Aid Project: Regardless of age, people experiencing financial constraints can access low-cost or free hearing aids through the provided services.

State universities: University hearing clinics may offer affordable or free hearing aids and assessment services. Some of these clinics may also have a scheme for recycling old hearing aids.

Travelers Protective Association (TPA): Financial aid is available through the program to purchase hearing aids, cochlear implants, or assistive listening devices. Qualifying for the program may depend on meeting certain criteria related to income.

Final Note on Why Free Hearing Aids Matter

Affordable or free hearing aids provide access to necessary healthcare for individuals who may not have the financial resources to afford them. Hearing loss can significantly impact a person’s quality of life and ability to communicate, leading to social isolation, depression, and other health issues [4].

By providing low-cost or free hearing aids, charity organizations, and national and state administrations can help reduce the barriers that prevent individuals from seeking treatment for their hearing loss. This can lead to improved communication, increased socialization, and a better overall quality of life. Additionally, addressing hearing loss can have a positive impact on cognitive function and can reduce the risk of developing dementia [5].

Overall, affordable or free hearing aids are essential to promoting health equity and ensuring that all individuals have access to the necessary healthcare they need to lead healthy and fulfilling lives.

References

“Service Organizations.” Congressional Service Organization Caucus, http://congressionalserviceorganizationcaucus-thompson.house.gov/service-organizations. Accessed 27 Mar. 2023.

HEARING LOSS. “VA Research On.” Research.va.Gov, https://www.research.va.gov/pubs/docs/va_factsheets/HearingLoss.pdf. Accessed 27 Mar. 2023.

CDC. “Individuals with Disabilities Education Act (IDEA) Services.” Centers for Disease Control and Prevention, 2 May 2022, https://www.cdc.gov/ncbddd/cp/treatment.html.

National Research Council (US) Committee on Disability Determination for Individuals with Hearing Impairments, et al. Impact of Hearing Loss on Daily Life and the Workplace. National Academies Press (US), 2004.

Yeo, Brian Sheng Yep, et al. “Association of Hearing Aids and Cochlear Implants with Cognitive Decline and Dementia: A Systematic Review and Meta-Analysis.” JAMA Neurology, vol. 80, no. 2, 2023, pp. 134–141, doi:10.1001/jamaneurol.2022.4427.

©2023 The Charlotte Observer. Visit charlotteobserver.com. Distributed by Tribune Content Agency, LLC.

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