Q&A: Can an insurance company have two separate deductibles to be met for hearing aids?

Question by tech: Can an insurance company have two separate deductibles to be met for hearing aids?
I was pleased to learn that my insurance company covered hearing aids. I checked their online benefit statement and it said that there was a $ 2000 deductible for hearing aids, then 20% coinsurance. I called them to confirm that the total deductible for two hearing aids was $ 2000.

Next I went to an audiologist in their network and his office called to confirm coverage, and got the same information. That seemed like pretty great coverage, so we moved ahead and did a hearing test, and he filed a claim.

They processed the claim, and said that my share of amount due is $ 4000, because I hadn’t met my general medical deductible of $ 2000 – so they applied the cost of the hearing aid to that general deductible, then they applied the hearing aid deductible of $ 2000, so I’m responsible for $ 4000.

In their documentation, where they state that the hearing aid deductible is $ 2000, there is no statement that this deductible doesn’t apply until the main deductible is met.

Do insurance companies regularly have multiple deductibles like this? I once needed a DME item and it was covered after my general deductible was met – there was no second deductible. I can understand having a maximum payment, but not two deductibles.

I’m going to call them to discuss it, but am wondering if this is a common practice.

Best answer:

Answer by mbrcatz
I’ve never heard of it before – but then again, I’ve never heard of a hearing aid being covered before, either.

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One Response to “Q&A: Can an insurance company have two separate deductibles to be met for hearing aids?”

  1. Insurance Pickle.com says:

    I’m not sure why you’re asking if they “can,” because yours clearly does. So, the answer is obviously yes. But, yes having separate deductibles for certain items is a practice of insurance companies. Their only fault is not properly explaining it to you. But, since it’s a regulated industry, they can’t say, “We goofed, we’ll give it to you this time.” It would be illegal for them to do anything different than what they are contracted to do and what the policy says they will do.


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