I’m curious if anyone else has experienced a similar insurance hell that I’m currently trying to navigate. I have BCBS of TX, yet live in MI. I purchased Quattro’s in December, insurance was billed 6500, I paid 4000 out of pocket and was told I would be reimbursed after insurance covers whatever it is they will cover. My BCBS of TX benefit supposedly covered 7000 for two hearing aids every 3 years. This is where the problem comes in. BCBS of MI apparently caps hearing aid coverage at 2500 for two hearing aids. Again, I have BCBS of TX, yet live in MI. I’ve been fighting with Accolade, a contract company BCBS employs to handle their membership claims with no real help. I’ve now finally reached someone higher in my company that coordinates member benefits to see if they can help figure out a solution to my problem. I’m not sure if BCBS of MI actually supersedes my TX benefit, or if my benefit is only good in TX, or if maybe I’ll have to drive to OH to exercise my full benefit. Next week I’ll be downgrading my Quattro 9’s to something more affordable while this insurance debacle continues to drive me closer to insanity. Has anyone had a similar insurance problem, and/or any insurance problems they were successful in overcoming?
Another frustrating part of this problem, I had knee surgery in 2018 so all of my deductible and co-insurance responsibilities were covered in 2018, which means these hearing aids technically should’ve been completely covered with no out of pocket expense. If I’m forced to change providers and start a completely new purchase, say in OH to exercise my full benefits(?), I’m going to have to pay my 2019 deductible and co-insurance again, which will probably total around $2000 for the latest and greatest hearing aids. ugh!
If I can never access my full 7000 benefit, I’m now trying to figure out if I should just skip the latest tech and insurance headaches and just head to Costco. If I stick with my current audiologist (and BCBS MI cap) and downgrade to Quattro 7’s I’ll be out of pocket 2700 yet Costco hearing aids would be around 2500. I can’t believe there’s a huge difference between Costco’s top resound HA and the Quattro 7’s. My audiologist is extremely nice and accommodating, but the conversations I’ve had with Costco have also been great. Think Costco’s warranty is also 4 years instead of 3 with audiologist. ugh!!!