I wear hearing aids. My insurance (a retiree plan) just started to provide coverage for hearing aids, describing the coverage as “100% of the covered amount.” Yay!!
Can they tell me what the covered amount is so I can buy a new set? No.
Will they tell my audiologist what the covered amount will be? No.
Will they pay me in advance for them so I can go out and pick which ones I want? No.
What if I pick some, pay $4000 (not unusual) for them and only get reimbursed for half? May happen.
What if I pick a very basic pair, but I could have purchased much better ones and still have been covered? Too bad.
So, my audiologist has sent them an invoice for the most expensive pair they can order. She tells me that, in three or four weeks, I will either get a refusal, a request for more information, or a check from my insurance provider. Mind you, I haven’t ordered any new ones at all…she’s just submitting an invoice. “If you get a check, come in and we’ll see what we can do for you for that amount.”
I’ve spent several weeks working on this without success, so I have to admit that her solution appeals to me, but the situation is nuts.