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Colorado Springs

Audiology, Inc.

 

Phone  719.520.1155

LOCATION  & DIRECTIONS

Dr. Gene McHugh

Licensed Audiologist

In Colorado

 

 

OFFICE HOURS

Mountain Time USA

Mon-Thurs

9:00AM-5:00PM

Closed Fridays

 

 © Copyright 2017

 

 

 

 

 

 

 

Insuring Your Hearing Aids Against Loss

 

 

THE DIFFERENCE BETWEEN INSURANCE AND WARRANTY 

     There is a difference between the warranty and insurance.

  • Warranty:  Covers the cost of any repair - meaning the hearing aid IS repairable (example:  hearing aid suddenly stopped working)
  • Insurance:  Covers loss, or damage beyond repair (e.g., dog totally destroyed the entire hearing aid!)

     It is confusing because normally new hearing aids include both - a one year's insurance and one year's  warranty (some companies provide routine two year warranty and insurance coverage).   

     After one year (or two if that's the case) without coverage:

  • If you lose your hearing aids, expect to pay the full cost for replacements.

     Our office sends notices once the initial warranty/insurance runs out to make users aware of this.  At that point, it is up to you to decide what to do. Top

YOUR OPTIONS TO GET YOUR HEARING AIDS INSURED

     If you want to continue insurance coverage, the best option is to EXTEND YOUR WARRANTY.  This is provided through the hearing instrument manufacturer and is probably your wisest choice.  You pay us, and we forward the cost to the manufacturer.  

     Another option to protect against loss or damage beyond repair is through taking out specific hearing aid insurance with your regular homeowner’s insurance.  Check with your agent on how to complete this.  Top

INSURANCE COMPANIES THAT COVER HEARING AIDS

     Two companies provide specific hearing aid insurance, and below is their web sites so you can check out the details for yourself:

     Or contact: Midwest Hearing Industries, Inc.   http://www.mwhi.com/ or Esco Ear Protection Program  http://www.earserv.com/   Top

WHAT INSURANCE DOES NOT COVER 

     Insurance only covers replacement.  Insurance does not apply to repairs.  Repairs are covered by the product warranty.  If your hearing aid is OUT of warranty, but IS repairable you will only be charged for a repair.  

WHAT IF I HAVE INSURANCE AND LOSE A HEARING AID?

     If a claim is made, stop by our office.  We can give you a form to fill out that includes a section where you explain how the hearing aid was lost.  The replacement hearing aid must be of the same make and model.  As such, you may not "upgrade" to a more expensive model.  Coverage for loss will be void thereafter until another policy is taken out on the replacement hearing aid. Most manufacturers charge a deductible of $200-250 depending upon the model.  Top

IMPORTANT!  WHAT IF I FIND THE "LOST" HEARING AID?

      Turn the hearing aid in with a letter explaining what happened and we will forward it back to the hearing aid manufacturer or insurance carrier.  All hearing aids can be traced by serial number.  If a claim is made on a specific hearing aid that turns out NOT to be lost,  you may be liable for insurance fraud.   If you find a hearing aid that was replaced using insurance, turn it in to us and we will return it to the manufacturer.

IS THE REPLACEMENT "FREE?"

     Rarely.  All manufacturers now charge a deductible fee (approximately $200.00-250.00)  and our office also charges $35.00 to cover additional time and processing fees to provide replacement hearing aids.  Top