Understanding FEP Blue Hearing Aid Coverage Options in 2023

Understanding FEP Blue Hearing Aid Coverage

Hearing loss is more common than many realize, affecting 48 million Americans according to recent estimates from the Hearing Loss Association of America. As people grow older, age-related hearing loss becomes increasingly likely. However, hearing loss can occur at any age due to various factors like genetics, illness, injury, and exposure to loud noises.

No matter the cause or degree of hearing difficulty, today's hearing aids offer innovative solutions to improve hearing clarity. Unfortunately, these advanced devices come at a steep price, with costs ranging from $1,000 to more than $5,000 per hearing aid.

For those enrolled in the Federal Employee Program (FEP) Blue insurance plan, coverage for hearing exams and hearing aids is included in many policies. Keep reading to learn more about FEP Blue hearing aid coverage and how to access hearing-related benefits.

FEP Blue Hearing Benefits

The FEP Blue insurance plan is offered through the Federal Employee Health Benefits (FEHB) Program to provide comprehensive health coverage for federal employees, retirees and their families. FEP Blue has a nationwide network of doctors and facilities to deliver care and services.

In 2023, FEP Blue offers three insurance options you can select during open enrollment: Standard, Basic and FEP Blue Focus. The level of hearing aid coverage available will depend on which plan you choose.

Hearing Exams

Coverage for hearing exams is included to some extent in all FEP Blue insurance options. Diagnostic hearing evaluations are typically conducted by an audiologist when hearing loss is initially suspected. The exam measures hearing ability and determines if hearing aids may help.

For the Standard and Basic options, hearing exams are covered with either a fixed copay (e.g. $30) or coinsurance percentage. Under FEP Blue Focus, hearing exams are not covered.

Hearing Aids

Both the FEP Blue Standard and Basic options provide some coverage for hearing aids required due to medical necessity. Covered hearing devices include the full range from basic to advanced technology levels. Bone-anchored aids may also qualify when appropriate.

Under the Standard Option, hearing aid benefits include:

• Coverage for up to two hearing aids every five years
• $3,500 allowance per hearing aid
• All in-network provider visits for hearing aid fitting and evaluations

The Basic Option also covers up to two hearing aids every five years but has a lower $2,500 allowance per device. Note that “per hearing aid” means you cannot combine the entire allowance toward one device.

Hearing Aid Discounts

Along with direct hearing aid coverage, FEP Blue members can access valuable hearing aid discounts through EPIC Hearing Healthcare. This program is free to members and offers exclusive pricing from major manufacturers like Phonak, Signia, ReSound and others.

Discounts may apply to devices not fully paid for by your FEP hearing aid benefits or provide options if your selected plan does not include hearing aid coverage. Savings range from 45% to 60% below national averages.

Limitations & Exceptions

While FEP Blue provides varying levels of hearing aid coverage, some limitations and exceptions apply in all plans:

• Hearing aids for gradual onset hearing loss due to aging are generally not covered
• Replacement costs may not be covered during the benefit cycle unless due to loss or irreparable damage
• Implantable bone conduction hearing systems may be covered under surgical benefits if medically necessary

Additionally, FEP Blue Focus does not include coverage for hearing exams or hearing aids. Members must pay the full cash price for any hearing services under this high deductible plan.

Using Your FEP Blue Hearing Benefits

If you already have FEP Blue insurance coverage, using your hearing benefits is straightforward. Just follow this process when you suspect hearing issues to access covered hearing care services:

1. Schedule a hearing exam with an in-network audiologist to measure hearing ability and discuss if hearing aids may help. Bring your FEP Blue insurance card to the appointment.

2. If hearing loss is confirmed and hearing aids recommended, choose FEP Blue covered hearing aids with your audiologist. Select from major brands in features and styles to suit your needs and preferences.

3. Your audiologist will submit the hearing aid claim along with supporting documentation of medical necessity to FEP Blue.

4. FEP Blue processes the claim per your plan details and coverage terms. Any member cost share or amounts over your allowances will be billed to you.

5. Return to your audiologist for follow-up fittings, adjustments and hearing aid orientation as the devices are customized for your loss type and severity.

Choosing Hearing Aids

Advanced hearing aids of today provide personalized amplification based on your audiogram results and listening environments. To optimize hearing, select devices to suit your specific needs and lifestyle. For example, outdoor enthusiasts may benefit from weatherproof aid models. Discuss options with your audiologist to find the right devices for you.

Compare FEP Blue Plans & Rates

During the annual Federal Employee Health Benefits open enrollment, you can review available FEP Blue insurance options and choose the best policy for your health and budget needs. Comparing plans allows you to weigh rates, deductibles, provider choices and covered services.

Along with visiting the FEP Blue website for plan overviews, you can speak to a benefits representative for personalized selection assistance. Discuss health priorities like hearing care coverage and prescription medications to pick your 2023 FEP Blue insurance.

Preparing for Retirement

For federal employees planning to retire in 2023 or the near future, reviewing insurance and benefits selections prior to leaving the workforce is wise. This helps avoid gaps in health coverage during the transition and ensures continuity of care for existing medical conditions like hearing loss.

Medicare coverage also requires consideration. Some FEHB retiree plans integrate with Medicare while others act as supplemental policies. By understanding your options, you can seamlessly progress into new health insurance coverage as a federal retiree.

Take Control of Your Hearing Health

From occasional difficulty hearing conversations to longstanding substantial hearing loss, untreated hearing issues can negatively impact work performance, safety, social connections and overall wellbeing. By utilizing available hearing aid benefits through FEP Blue coverage, you or your family members can take control and regain clarity.

Through following the outlined process, FEP Blue Standard and Basic insurance holders have direct access to advanced hearing solutions. Additionally, all members can pursue discount hearing devices for affordable quality and convenience.

If you have questions on FEP Blue plans, hearing services or using your benefits, contact a representative for personalized guidance. With helpful coverage and support, you can address hearing challenges and thrive.

Disclaimer: This article is for informational purposes only and does not constitute medical advice. Always consult with a healthcare professional before starting any new treatment regimen.