Are Hearing Exams Covered By Health Insurance?

There are many things in life that we take for granted.  We don’t think about these things until they become issues.  It is only then that we stop and realize what an asset it is to have it.  Our ability to hear is one of those things we take for granted.   At some point in our lives, we may develop hearing loss and may need to see an audiologist see we can get our hearing tested.  Questions about whether insurance will cover the cost may follow.  The agents at Henderson Insurance Agency want you to have answers so you can enjoy life in Harrisburg, PA.

Answers Vary

Every policy is different so it is best to read the fine print.  In most cases, insurance will cover a hearing exam.  In some cases, there may be stipulations about the clinic or the professional performing the exam.  Visits to an audiologist may be subject to a copay and go towards the deductible, but it is best to call or look through the Summary of Benefits and Coverage (SBC) for that information.  The cost will vary depending on the practitioner, but some testing can only be done by certain specialists.

Appealing Denials

In the event your services are denied, you can appeal.  When you receive your Explanation of Benefits (EOB) it will have information about the process of appeals.  Typically, an internal review is done when subscriber appeals, but forms and information have to be gathered first.

Medical Necessity

It may be necessary to establish medical necessity by gathering documents like a physician referral, medical history, date of onset, plan of care, and progress notes if it becomes more than a basic hearing exam.

Henderson Insurance Agency wants people to enjoy life in Harrisburg, PA so they are available for questions via phone or email 

Why life insurance is still important if you’re single.

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If you’re single, you might think of life insurance as a need for married couples. They have a spouse and perhaps children who’ll need replacement income and help with burial expenses. But, single people can also have children. They may have aging parents whose health may be failing. Single people also need to save for retirement.

Life insurance provides for these needs. While a standard policy, covers your death costs while you pay the premiums, but accrues no value, you can obtain term life insurance to build cash value while insuring your life. Term life also remains in force only as long as you pay premiums. You can cash out the policy at the end of the ten to 30-year term though and obtain the accrued value. You can also borrow against the policy during its term so long as it remains in force.

Finally, the younger you are when you obtain a policy, the more reasonable your premiums will be. You can lock in rates with some policies. It’s cheaper to start when you’re 25 than 32.

Contact Henderson Insurance Agency of Harrisburg, PA to get started with a life insurance policy that can protect you throughout your life. Our term offerings can help you affordably invest in your future.