Our healthcare often revolves around what our covered benefits are. Certain tests are not available on some plans. Most plans have specific hearing aids on the list. Other aids are specifically off the list. I even saw a plan that offered a $3000 benefit, but ONLY if it was applied to “on list” devices. If an “off list” was a better solution for the client, the whole $3000 benefit was taken away, and the total cost of the device was charged to the client. In my opinion, that doesn’t seem to be much of a benefit.
Many times, those decisions are made based on an “expert’s” opinion on what is good enough for most people. Shareholders are not included along with policy holders. I am not really excited to be told what is good enough for me. I kind of like to make those choices myself.
All that being said…no two policies are the same. Make sure you KNOW what your plan has to offer. Then, decide if it is going to be good for you. Not just good enough!