Most agents realize Medicare does not include coverage for vision, dental or hearing.
Even if your senior clients do not have any issues right now, according to the National Institutes of Health, people experience the greatest amount of hearing loss between the ages of 60 and 69.
And just as seniors tend to need vision and dental care as they age, they are more likely to require assistance with hearing.
Here are some symptoms of hearing loss identified by the Mayo Clinic. Have you noticed any of these in your prospects and clients?
- Muffling of speech
- Difficulty understanding words
- Asking you to speak more slowly, clearly and loudly
- Trouble hearing consonants
- Not participating in conversations
- Turning up the volume of the TV, computer or radio
Age-related hearing loss
According to the Centers for Disease Control and Prevention, 25 percent of Americans 70 and older experience hearing impairment.
This fact alone is a good reason for your clients to consider coverage.
Yet here is one more:
Approximately 70 percent of older Americans with hearing loss in at least one ear could benefit from using a hearing aid – but do not.
Limited hearing benefits
While Medicare will not pay for hearing aids or fitting appointments, it will cover hearing and balance exams if a physician or other health care provider orders the exams to determine if the person needs medical treatment.
In this case, Medicare would pay 20 percent of the amount approved by Medicare, and the Part B deductible applies.
If the patient received hospital outpatient care, they would also have a copayment.
The Medicare Advantage
Since your clients are probably unaware of the various Medicare Advantage plans available through AmeriLife carriers, this is a good starting point for a conversation on this topic.
For instance, they may not know there are MA plans incorporating vision, dental and hearing; and that some even include wellness benefits.
Be an advocate for your clients by showing them the value of Medicare Advantage in general and telling them about its hearing benefits in particular.
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