Insurance Coverage & Participation
Understanding your hearing coverage and navigating insurance benefits made simple
Understanding Hearing Coverage
At Sounds of Life Hearing Center, we understand that insurance benefits for hearing care can be hard to navigate. Our team is here to make it easier. Whether you're scheduling a diagnostic hearing test, considering hearing aids, or wondering about ear cleanings, we'll help you understand what's covered — and what's not — before you begin.
Insurance coverage varies based on:
Diagnostic Hearing Evaluations
Medically necessary testing due to hearing concerns, tinnitus, or auditory processing disorder (APD). Often covered with a physician referral.
Routine Hearing Tests
Screenings or wellness exams without symptoms. These are usually not covered.
Hearing Aids & Services
Coverage varies widely and may require going through a third-party administrator.
✅ Participating Insurance Plans
We work with most major insurance plans. Use the tool below to check your specific coverage.
Important: Insurance coverage can change frequently. We recommend calling our office at (440) 579-4085 to verify your current benefits before your appointment.
| Insurance Plan | Diagnostic Testing | Hearing Aids | Third Party |
|---|---|---|---|
| Aetna | Application In Review | Application In Review | |
| Cigna | Amplifon | ||
| Summa Care | [Unsure] | ||
| Medical Mutual | TruHearing | ||
| Anthem / BCBS | TruHearing | ||
| UHC / UMR / GEHA |
📋 Medicare Advantage Notes
Most Medicare Advantage plans include some hearing aid coverage, but often only through third-party networks:
- TruHearing is the most common administrator.
- Amplifon is used for SummaCare and Cigna in some cases.
- Traditional Medicare Part B covers diagnostic testing if medically necessary but does not cover hearing aids.
- Medicare Advantage HMO plans may require prior authorization. We only request this if we are in-network, but we will limit charges to Medicare-approved rates if you proceed out-of-network.
❓ Not Sure About Your Plan?
We recommend contacting us or your insurance provider if:
- You're unsure about hearing aid coverage
- Your plan uses a third-party (TruHearing or Amplifon)
- You have a Medicare Advantage plan and want to confirm if we're in-network
We're happy to guide you through your benefits.
🧠 What Do Third-Party Plans Mean?
If your plan works with a third party like TruHearing or Amplifon, your hearing aid benefits may:
- Require you to register with the third party
- Limit your device or service choices
- Exclude coverage unless we're contracted with that third party
We are currently contracted with:
- TruHearing
- Amplifon
If these options are too limited, we'll discuss private-pay alternatives that may better suit your needs.
❌ We Are NOT In-Network With:
Commercial & Medicaid:
- Humana (Commercial and Medicaid)
Medicare Advantage (hearing aids only):
- Paramount Elite
- Perennial Advantage
- Zing Health
- Aetna Medicare Advantage (hearing aids only)
❌ Services Often Not Covered by Insurance
Insurance often excludes services even if recommended or medically appropriate.
🗓️ Routine Services & Supplies
- Hearing aid cleanings, troubleshooting, and minor repairs
- Domes, wax filters, batteries, and maintenance kits
- Lost or damaged hearing aid replacement (unless separately insured)
- Reprogramming unrelated to covered diagnostic testing
🧠 Tinnitus & Auditory Processing Services
- Tinnitus evaluations or therapy (including Lenire)
- APD treatment or rehabilitation
- Communication assessments, counseling, or training
📄 Administrative & Non-Medical Testing
- School/work physicals, wellness checks, or testing for candidacy only
- Disability or upgrade letters, IEP/504 recommendations
- Return-to-work/school notes, medical summaries, admin documents
📂 Other Exclusions
- Evaluation & Management (E/M) fees, unless covered (e.g., by Anthem BCBS)
- Cerumen removal (ear cleanings)
- Custom earpieces and hearing protection
- In-home visits, travel-based services
- Out-of-network services without prior authorization
⚡ Important: Insurance coverage is not a guarantee of payment. Patients are responsible for all charges not covered by their plan.
Frequently Asked Questions
Common questions about insurance coverage and payment options
Coverage varies significantly by plan. Most Medicare Advantage plans include hearing aid benefits through third-party administrators like TruHearing or Amplifon. Traditional Medicare Part B does not cover hearing aids. Commercial insurance coverage is limited and varies by employer benefits.
Diagnostic hearing tests are medically necessary evaluations due to hearing concerns, tinnitus, or auditory processing issues - these are often covered with a physician referral. Routine hearing tests are wellness screenings without symptoms and are usually not covered by insurance.
Yes, we participate with traditional Medicare Part B for diagnostic hearing tests when medically necessary. However, Medicare Part B does not cover hearing aids or routine hearing screenings.
Some Medicare Advantage plans may require prior authorization for diagnostic testing. We only request authorization if we are in-network, but we will limit charges to Medicare-approved rates if you proceed out-of-network.
We are contracted with both TruHearing and Amplifon. If your plan uses these third-party administrators, you may need to register with them first, and your hearing aid choices may be limited to their approved options.
Unfortunately, most insurance plans do not cover routine hearing aid maintenance, cleanings, supplies (batteries, domes, filters), or minor repairs. These services are typically out-of-pocket expenses.
Ready to Verify Your Benefits?
Contact us today for a free benefit verification and to discuss your payment options.
Free benefit verification • Flexible payment plans • Most insurance accepted