I asked a customer service rep for Anthem Blue Cross-Blue Shield, my health insurance provider, why one ABC-BS customer on hearingaidforums.com reported that he or she had some coverage for hearing aids but there was no coverage for aids for other policyholders (like me)… was it, I asked, dependent on the policy arrangement with the employer?
Sometimes, she answered (because one employer can always pay for a higher policy level of coverage than another), but most commonly, she said, differences in things like whether there is some coverage for hearing aids on a health insurance policy comes down to whether or not the home state of the policyholder requires it as a legal mandate. If they don’t, it’s often not covered. If they do, it’s covered, but usually just at the legally state-mandated minimum. I have no idea whether that’s correct, OP, but it makes sense.