Worth knowing about the assumption of costs by private health insurance
Table of Contents
- 1 Fitting with a hearing aid – the private health insurance in Freiburg assumes the costs
- 2 Private health insurance accepts higher subsidies than statutory health insurance
- 3 The amount of the subsidy can be found in your tariff
- 4 Individual advice from your hearing care professional
- 5 Health insurance benefits and additional private health insurance benefits
Supply with a hearing aid – the private health insurance in Freiburg assumes the costs
Hearing ability can decrease with age. But there are also middle-aged people affected. Hearing impairments in children and young people often have medical reasons. Also here is the Provision of a hearing aid important and necessary for barrier-free coping with everyday life. For children and young people up to the age of 18, care is provided with a Hearing aid covered by health insurance.
Parents do not have to make any additional payments when choosing a high-quality digital device. When you come of age, you no longer have to pay the full health insurance benefit. However, it is possible to have one Obtain the assumption of costs by the PKV.
Important information on the assumption of costs by private health insurance
Private health insurance accepts higher subsidies than statutory health insurance
As an adult, you receive an allowance for the provision of one or two hearing aids. This Subsidy is paid per hearing aid. If you have private health insurance, you will receive all the benefits that statutory insurance pays you.
This is required by law regardless of the tariff. For the Provision of a hearing aid this means that you receive the following allowances per device:
- 685 EUR for the hearing aid, the contract price applies
- EUR 33.50 as a subsidy for individually manufactured earpieces
- 125 EUR as a service fee for necessary adjustments or repairs
Those with statutory health insurance must bear the additional costs themselves. Modern hearing aids cost on average 2,000 EUR per piece. This does not even include the costs for the earmold and for service work such as adjustment.
The amount of the subsidy can be found in your tariff
As an insured person of the private health insurance in Freiburg you can get a higher grant. This depends on the tariff you opted for when concluding the contract. The average subsidy for insured persons is private health insurance companies EUR 1,500 per hearing aid.
Unlike the statutory health insurance companies, however, this is not an amount that is prescribed and applies to all insured persons. You can find the exact information about your individual tariff in your contract. Alternatively, you have the option of health insurance to make an enquiry.
Prerequisite for the assumption of the costs of the hearing aid supply by the private health insurance
Hearing problems manifest themselves in various everyday situations. You can no longer understand your conversation partner well and have to ask what he said. You unconsciously turn up the TV and radio louder. Sometimes you have trouble understanding people who speak very quickly or who speak slurredly. The first point of contact for these problems is your family doctor.
They will refer you to an ENT specialist for further examinations. There, an examination and a hearing test can determine that you have a form of deafness Suffer. Once the diagnosis has been made, you will receive a prescription for the fitting of a hearing aid. This regulation is the Prerequisite for the assumption of costs by private health insurance.
Individual advice from your hearing care professional
Have you received the prescription for the fitting of a hearing aid from your doctor? make an appointment with a hearing care professional in Freiburg. We offer you individual advice and initially provide you with various options for a hearing aid to choose from.
You have the opportunity to test the device first. If you're not doing well, we'll change the device. A Purchase and thus the takeover and costing only take place when we have found a device for you that you can use well.
Health insurance benefits and additional benefits of private health insurance
After completing our services for the fitting of a hearing aid, you will receive an invoice from us. she submit this invoice to your PKV. The statutory health insurance benefit has not yet been deducted from the bill.
Your PKV in Freiburg will tell you how much the costs are covered by your tariff. In any case, the Taking over the checkout service of the statutory health insurance companies. Your co-payment is calculated from the tariff you have taken out.
Hearing aids without additional payment cannot compensate for the impairment - what then?
There are hearing aids that you can purchase at no extra cost. These are so-called health insurance hearing aids with full cost coverage. They are simple devices that sometimes are not sufficient for the supply.
In this case you have as privately insured a big advantage: The Health insurance in Fribourg must agree to the full assumption of the costs for a hearing aid with which you are optimally cared for. This is a legal requirement that applies to all private health insurance companies.
If you have any further questions about the exact costs that private health insurance can cover, you are welcome to come to Andreas Holz Hörakustik for a consultation.
(hearing acoustics master)