Insurance

I just can’t understand why insurance companies aren’t required to cover hearing aids for children. I just. can’t.

Really I dislike talking about health insurance and I am even more hesitant to post about it, because it seems few things get people more riled up lately than this topic. And I don’t want this blog to become a place for rants.

But the truth is, this one has me wanting to campaign for change. It just baffles me that paying for a substantial insurance plan for our family doesn’t need to include the most essential service my daughter needs right now to become a hearing, speaking person who can fully engage in the world around her. She can’t hear without these little devices. But I guess it’s not “bad enough” for insurance to cover.

The flip side, of course, is that I’m so glad states like ours have programs like Early Steps who make sure EVERY child with a hearing loss can get his or her first pair of aids, regardless of the quality of their parents’ jobs or insurance coverage. YES, I feel like if we’re paying a premium every month for insurance through Disney, we should get covered; but really the privilege of having a good job sure doesn’t make us more deserving of hearing aids than a family whose parents work for less substantial companies than Disney. All that to say, it’s a complex issue for sure.

To keep this from just nothing but a commentate rant…here is the state of things. A bunch of states DO require hearing aid coverage for children. Here’s the list, according to ASHA:

ColoradoConnecticutDelawareKentuckyLouisianaMaineMarylandMassachusetts,MinnesotaMissourNew JerseyNew MexicoNorth CarolinaOklahomaOregon, and Tennessee require that health benefits plans in their state pay for hearing aids for children. ArkansasNew Hampshire and Rhode Island require coverage for both children and adults. Wisconsin requires coverage for both hearing aids and cochlear implants for children.

ASHA’s site also includes some info about advocating for state legislative reform, but it’s geared toward professionals, not parents. I’m a bit cynical about Florida addressing an issue like this in the near future. But Ava has 18 years of childhood ahead, and a lot can happen during that time.

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