The time has come when you must invest in your first set of hearing aids. Along with the warranty, it’s a good idea to check into the options for hearing aid insurance. Why get this type of insurance? Here are a few basic reasons to ponder.
Your Health Insurance Isn’t Going to Cover Anything
Some people think that health insurance will help with the expense of hearing aids. As you found out recently, your health coverage does nothing to help with the cost of purchasing the aids. It also won’t do anything if those aids need some type of repair.
That leaves you with two choices: paying for all repairs out of pocket, or getting insurance that will help cover most repairs. You’re likely to find securing insurance on the hearing aids will be a good financial decision.
More Protection Than the Warranty Will Provide
Wouldn’t the warranty cover you in most situations? Take a closer look at the terms and conditions. What you are likely to find is that the protections focus on issues that arise due to manufacturing problems. Even then, those benefits incrementally decrease over time.
Securing insurance is the best way to provide some protection against events that are not covered by the warranty. See it as a food way to be covered from most types of incidents. All it takes is the need to file one claim, and the cost is justified.
Covering Most of the Cost of Repairs
Repairs can be needed for a number of reasons. An aid may be damaged when you’re involved with an accident. Perhaps the aid is knocked off a table top and is damaged when it hits the floor. There’s even the possibility for the aid to lost or stolen. What would you do if any of these events took place?
There’s a good chance that some provisions in your hearing aid insurance policy will cover all of these events. That means you won’t have to shoulder the full cost of repair or replacement all by yourself. Even if there’s a copay, it will be much less for you to spend out of pocket.
Providing Temporary Aids While Yours Are Repaired
Look closely at the terms and conditions that come with the insurance on the hearing aids. You may see something that often gets overlooked. If it will take some time to repair your hearing aids, it may be possible to obtain a temporary aid that allows you to get by in the interim.
Think of what that means in terms of your quality of life. While the temporary aid may or may not work as well as the ones that you own, it’s still better than nothing. You will still be able to enjoy conversations, watch television without turning the volume up a lot, and in general function as if nothing is out of the ordinary.
If you’re about to get a first set of hearing aids, do take the time to learn more about the insurance options that go with them. Read through the terms and conditions to see what a plan would cover versus relying on the warranty alone. You’re likely to find that the cost of the policy is affordable, and having the coverage will make a big difference if something should happen to your hearing aid.