Tere are millions of Australians suffering from hearing loss, and for these people, hearing aids are essential tools that help maintain a better quality of life. However, the cost of these hearing devices can be a significant financial burden. As one of the leading independent hearing aid clinics in Perth, Rediscover Hearing is here to help with a vast array of audiology services. A common question we get asked is whether private health insurance covers hearing aid expenses. The answer varies depending on your insurance provider and the specifics of your policy.​

Extras Cover and Hearing Aids

Private health insurance is divided into two main components – Hospital Cover and Extras Cover. Hearing aids typically fall under Extras Cover, which includes services like dental, optical, and physiotherapy. The extent of coverage for hearing aids depends on the level of Extras Cover you have. Higher tier plans often provide more substantial benefits for hearing devices.​

Variations Among Health Funds

Different health funds offer varying benefits for hearing aids. For instance, HIF includes hearing aid coverage in its top two Extras Cover options. Their Top Extras policy offers a 100% benefit, with an annual limit of $1,000 per person, limited to one service per person every three years. Similarly, Medibank allows members to claim for hearing aids online, provided their cover includes benefits for such devices. It’s important to note that waiting periods and replacement intervals may apply. For example, Medibank specifies a five-year replacement period if a previous claim was made on hearing aids.​

Benefit Limits and Waiting Periods

Most private health funds impose benefit limits and waiting periods for hearing aid coverage. Benefits can range from $400 to $1,600, depending on the fund and your specific policy. Waiting periods, typically around 12 months, are common before you can claim benefits for hearing aids. Additionally, many policies have replacement rules, such as allowing a new hearing aid claim only every three to five years.​

Checking Your Coverage

To determine your eligibility and the extent of coverage for hearing aids:

Review Your Policy – Examine your health insurance policy details to understand the benefits and limitations related to hearing aids.​

Contact Your Insurer – Reach out directly to your health fund to inquire about specific coverage, waiting periods, and any required documentation.​

Consult Your Audiologist – Some audiologists have experience dealing with various health funds and can provide guidance on navigating insurance claims for hearing aids.​

Additional Considerations

Beyond private health insurance, other avenues may assist with hearing aid costs:​

Government Programs – The Australian Government offers the Hearing Services Program, providing eligible individuals with access to subsidised hearing services and devices.​

Workplace Schemes – If your hearing loss is work-related, you might be eligible for compensation or support through workplace insurance schemes.​

While Australian private health insurance providers can contribute to the cost of hearing aids, coverage can vary widely among providers and policies. Understanding your specific insurance policy benefits is essential.

For help with hearing tests and hearing devices, Perth’s Rediscover Hearing is your trusted choice. Schedule an appointment today and start your journey to better hearing.