Hearing loss in adults can come genetically from your parents, an illness, ear damaging drugs (ototoxic) tumors, head injury, or the aging process.  Sometimes the loss occurs by itself and sometimes it is accompanied with tinnitus which is a ringing in the ears.  There are some hearing problems that Medical Insurance for individuals can help with and some hearing situations that medical insurance does not cover.  When shopping around for medical insurance and obtaining Health Insurance Quotes the Medical Insurance broker that you are speaking with should be able to address any concerns you may have.  Medicare does not cover hearing aids or hearing tests.  Some Medicare Advantage plans for 2012 offer some hearing aid benefits.  BlueCross/BlueShield of Florida is offering a hearing aid benefit to its members in their Medicare Advantage Plans.

One on the diseases to cause hearing loss is called otosclerosis.  It involves the middle ear.  You have lots of tiny bones in the middle ear that help to “push” the sound.  Otosclerosis sometimes causes a conductive type of hearing loss.  The American-Speech-Language-Hearing Associationor ASHA  says that “conductive hearing loss occurs when sound is not conducted efficiently through the outer ear canal t o the eardrum and the tiny bones (ossicles) of the middle ear.  Conductive hearing loss can often be corrected medically or surgically.”  Some of the causes for a conductive hearing loss can be from fluid, ear infections, allergies, poor eustachian tube function, benign tumors, impacted ear wax, infection in the ear canal, presence of a foreign body (like what I wonder?) and malformation of the outer ear, ear canal, or middle ear.  All of the problems mentioned would be covered by individual Medical Insurance.  Except for doctor office visits, the Medical Insurance deductible and co-insurance would apply.

Meniere’s disease affects the inner ear.  I hope you never have to deal with Meniere’s disease or if you do that you already have medical insurance if you begin to suffer from this disease.  Meniere’s disease is an automatic decline with individual Medical Insurance.  Also, there is no cure, and the cause is unknown.  The best that can be done is to try to manage the symptoms.

Presbycusis is a sensorineural hearing loss that occurs to more “mature” people.  The damage is to the inner ear (cochlea) and it affects the nerve pathways from the inner ear to the brain.  Most of the time sensorineural hearing loss (SNHL) cannot be surgically corrected.

Medical Insurance

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