Insurance is important for everyone since it involves monetary benefits for the policy holder as long as one lives and the beneficiaries after the policy holder's death. Insurance is of many types life, education, future, retirement, medical, pension, vehicle and many more.
When one considers the medical insurance it is necessary to take into account what types of medical claims one is eligible to make. It is always quite confusing when taking a medical insurance since the terms varies from company to company. It is the same in the case of a medical insurance for the hearing impaired.
While hearing-aids are not covered under the medical insurance a cochlear implant is covered in the claim. The cochlea implant is a process that stimulates the cells of the inner ear and provides the required sound that a hearing impaired person needs to hear well. Since this includes a surgery the implant is covered under the insurance plan.
One would be curious to know why hearing-aids are not covered under insurance. The main reason is that there are many people who suffer with hearing impairment and almost everyone use hearing-aids. But that is not so with a cochlear implant. Few people opt for this surgery.
Hearing-aids today are quite expensive if one wants to get the best and the latest in style and technology. Not everyone could afford a proper hearing aid and hence go in for cheap models which most of the time do not last long or do not fit properly. In such cases since hearing-aids are not covered under insurance it is better to settle for a one time payment and get a cochlear implant, especially if the patient is young.
It is always best to use hearing aids if one is suffering from hearing loss, or get a cochlear implant if they are very young. In the case of senior citizens they would prefer to settle for hearing aids insurance or not. Whatever the reason be, if people find it difficult to get new hearing aids there are hearing aid banks available that sell them at a cheap rate.
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