You have been prescribed hearing aids.
These hearing aids and their expensive accessories are only partially reimbursed by Health Insurance.
Supplementary health insurance is necessary to be better reimbursed, or with the “100% health” system not to have any remainder at your expense.
We explain the terms of reimbursement for hearing aids.
I find a mutual fund suitable for covering hearing aids
The care pathway to obtain reimbursed hearing aids
Only subscribing to responsible complementary health insurance allows you to benefit from reimbursement for a hearing aid and its accessories.
Optimal reimbursement is also part of the health plan, if you suspect a decline in your hearing.
This process begins with a consultation with your attending physician, who then refers you to an ENT or a general practitioner specializing in otology.
This specialist carries out a complete audiological assessment to establish the level of hearing loss.
Equipped with a medical prescription for the purchase of a single or a pair of hearing aids, you then meet a hearing professional, a hearing aid specialist.
The hearing care professional performs several services:
On the basis of hearing tests and various measurements, it establishes a detailed estimate of the aids offered, including at least one piece of equipment from the 100% offer as well as all the services carried out before and after purchase.
You carry out a fitting trial for 30 days before confirming the purchase.
After purchase, you automatically benefit from adaptation and follow-up services with the hearing care professional.
3 test sessions to check and adjust the device are planned for the first year.
During the following 3 years, monitoring and adaptation as well as maintenance of the equipment are also provided at no additional cost.
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Reimbursement of hearing aids by health insurance
If you are aged 20 and over, Health Insurance fully or partially reimburses, on medical prescription, 2 categories of hearing aids, as well as a certain number of batteries and accessories:
The Social Security reimbursement rate for class 1 hearing equipment is 60% based on a price set at €400 (per ear).
Their price is capped at €950 per ear.
Your complementary health insurance will reimburse you for the remainder.
You are therefore fully refunded.
The reimbursement rate by Health Insurance for class 2 hearing aids is 60% based on an identical price, set at €400 (per ear).
Depending on the extent of your mutual guarantees, you will be reimbursed in whole or in part for the costs remaining your responsibility.
Beneficiaries of complementary health insurance are offered hearing equipment at a maximum price of €800 per ear.
Although less expensive, this hearing device meets the same technical specifications as class 1 or class 2 devices.
People under the age of 20, as well as those with hearing and visual deficits, benefit from hearing equipment at a maximum price of €1,400 (per ear), regardless of the model.
Health Insurance covers class 1 equipment up to 60% based on the price set at €1,400 and complementary health insurance covers the co-payment.
Class 2 hearing aids are reimbursed by Social Security at the same rate of 60%, with the mutual reimbursing more or less depending on the contract signed, with the costs remaining unpaid.
Mutual insurance companies more or less ensure reimbursement of what remains to be paid after reimbursement by Social Security.
It is up to you to check the terms of your complementary health insurance and compare market offers.