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GOVERNMENT ASSISTANCE

State Mandates for Hearing Aid Insurance

Updated: 01/12/2009
Legislation signed into law:

 

State

 

Bill Number/ Status

 

Who’s Covered

 

Amount of Aid

 

Connecticut

 

SB 136*
Effective October 2001

 

Children under 12 years

 

 Limit: $1,000 every 24 months

 

Delaware

 

Volume/Chapter 76:244; HB 355
Effective January 1, 2009

 

Children under the age of 18

 

Limit: up to $1,000.00 per ear, every three years

 

Kentucky

 

KRS 304.17A-132 Effective July 2002.

 

Children under 18 years

 

Limit: $1,400 per aid every 36 months

 

Louisiana

 

La R.S. 22:215.25
Effective January 2004.

 

Children under 18 years

 

Limit: $1,400 per aid every 36 months

 

Maryland

 

HB-160
Effective 2001.

 

Children under 18 years

 

Limit: $1,400 per aid every 36 months

 

Minnesota

 

Minn. Stat. 62Q.675
Effective August 2003

 

Children under 18 years

 

Limited to one hearing aid per ear every 3 yrs, with no dollar cap.

 

Missouri

 

376.1220 R.S. Mo
Effective 2004

 

Newborns

Coverage for screening/audiological assessment/hearing aids (coverage determined by Department of Health and Seniors Services.)

 

New Jersey

 

S-467 / A-1571, known as “Grace’s Law”

Effective March 2009

 

Children 15 years and younger

 

Limit: up to $1,000 per hearing aid every 24 months; insured may opt for more expensive aids and pay the difference

 

Oklahoma

 

36 Okl. St. 6060.7*
Effective November 2002

 

Children under 18 years

 

Cap-less hearing aid benefit every 48 months.

 

Rhode Island

 

R.I. Gen. Stat. 27-19-51*
Effective Jan. 2002

 

All insured

 

Optional coverage: Carrier determines coverage/limits.

 

New Mexico

 

SB 529
Effective July 1, 2007

 

Birth to 18 years, 18-21 years if attending high school

 

Every three years
Hearing aids and related services


*Note: links to State Legislative website only, not text of the bill

Wisconsin
Passes Law Covering Hearing Aids & Implantable Hearing Devices
We received good news from HLA-WI’s advocate Carol Burns. She was thrilled to report that Wisconsin can be added to the list of states that requires insurer's to cover hearing aids and implantable hearing devices such as the BAHA and the Cochlear Implant, including associated services. It passed by voice vote in the Senate and was sent over to the Assembly where it passed by 80 to 16. It is a much stronger bill that the bill introduced last year, as it requires for children up to age 18. Carol reports this was a collaborative effort between HLAA advocates and parents in Hands and Voices. To learn more about the bill, visit, http://www.letkidshear.org/?q=node/20

New Jersey
The bill, S-467 / A-1571, known as “Grace’s Law,” will require all health insurers in New Jersey to provide coverage for medically-necessary hearing aids for children 15 years of age and younger. The bill requires insurers to provide this coverage every 24 months, and provide up to $1,000 per hearing aid. Under the bill, a covered individual could opt for a hearing aid priced higher than the maximum payable benefit, but would have to pay the difference.

Delaware
Signed into law June 18, 2008, House Bill 355 requires individual and group health insurance contracts to provide coverage for hearing aids of up to $1,000 per ear, every three years, for their customers who are 24 and under.

New Mexico
SB529 signed into law July 1 2007, mandating health insurance coverage for testing and dispensing HAs to children. Every three years coverage  for hearing aids and related services for children from birth to age 18 and for children ages 18-21 who are still attending high school.

Louisiana
22.215.25 requires any new health insurance policy after January 1, 2004, and any existing policy on or before its renewal date but no later than January 1, 2005, to cover hearing aids for children under 18 years of age if the aids are fitted and dispensed by a licensed audiologist or hearing aid specialist.  Benefits may be limited to $1,400 per ear with hearing loss every 36 months.  An insuree may purchase a more expensive hearing aid and pay the difference to the hearing aid provider.

Maryland
MD Insurance Code Ann.. §15-838 Requires insurers to provide coverage for hearing aids for a minor child if the hearing aids are prescribed, fitted, and dispensed by a licensed audiologist; coverage may be limited to $1,400 per hearing aid for each hearing-impaired ear every 36 months; insured may choose a more expensive hearing aid and pay the difference.

Minnesota
Minn. Stat. 62Q.675. Requires coverage of hearing aids for children 18 years of age or younger if hearing loss is congenital and not correctable by other procedures covered in the policy, e.g., surgery;  coverage limited to one hearing aid per affected ear every three years; may impose co-payment, co-insurance, or other limitations only if similar limitations apply to other coverages under the plan. Effective for policies issued on or after August 1, 2003.

Missouri
:§376.1220 R.S. Mo.Requires health insurance and Medicaid coverage for infant hear screening, re-screening (if necessary), audiological assessment and follow-up, and initial amplification, including hearing aids.

Oklahoma
36 Okl. .St.  §6060.7Effective November 1, 2002, requires any group health insurance or health benefit plan to provide coverage for audiological services and hearing aids for children up to 18 years of age; adds requirement of hearing aid prescription and dispensing by a licensed audiologist; allows hearing aid benefit every 48 months without a dollar limit.

Rhode Island
After January 1, 2006, requires every individual or group health insurance contract and hospital or medical expense insurance policy to provide $400 coverage per hearing aid per ear every three years for children and adults; the insurer may choose the provider of hearing aids with which to contract; the contract or policy shall also provide, as an optional rider, additional coverage for hearing aids.

Kentucky
KRS 304.17.A-132 Requires health benefit plans, including those provided to state employees or their dependents, to cover the cost of a hearing aid for each ear, as needed, as well as related services necessary to assess, select, and fit the hearing aid; payment capped at $1400 per hearing aid every 36 months; insured able to choose a higher price hearing aid and pay the difference in cost; hearing aid must be prescribed by a licensed audiologist and dispensed by a licensed audiologist or hearing instrument specialist.

Connecticut
Conn.Gen. Statute 38a-490b and 38a-516b. Requires, after October 1, 2001, individual and group health insurance policies to provide coverage for hearing aids for children 12 years old or younger; classifies hearing aids as durable medical equipment and allows policies to limit the benefit to $1,000 every 24 months.

HEARING AID DISTRIBUTION PROGRAM
Georgia
House Bill 655 established a Hearing Aid Distribution Program. Funded by the TRS

  • Income may not exceed 200% federal poverty guideline
  • GA resident at least one year
  • Recommended by licensed audiologist
  • 18 or older. GA Medicaid covers children up to 18
  • Sign agreement (covering maintenance and repair issues)
Links
Social Security Criteria Issues
http://www.hearingloss.org/advocacy/CI04.asp
Revised Medical Criteria for Evaluating Hearing Impairments and Disturbance of Labyrinthin-Vestibular Function
http://www.hearingloss.org/advocacy/ssanrpm.asp
Hearing Aids Medicaid Coverage of Hearing Aids
http://www.hearingloss.org/advocacy/HC02.asp
SHHH Supports Direct Access to Audiologists for Consumers on Medicare
http://www.hearingloss.org/advocacy/HC06.asp
Cochlear Implant Eligibility Gap for Medicare Clients
http://www.hearingloss.org/advocacy/HC03.asp
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