Copayment for hearing aids with the AOK - A comprehensive guide
Overview of grants for the hard of hearing*
| Health insurance | 1. hearing aid | 2. hearing aid |
Repair flat rate** (per hearing aid) |
| VdEk (Barmer, DAK, HEK, HKK, KKH, Techniker) | €690.15 | €690,15 | €154.70 |
| AOK Baden- Württemberg | 685€ | 532€ | €125 |
| AOK Hessen | 680€ | 527€ | €120 |
| BKK Bundesverband | €719 | 569€ | €150 |
| BKK Verbund (Pronova,Schwenninger, Audi & Siemens BKK) | €685 | €532 | €125 |
| BKK Bahn | 685€ | 532€ | €125 |
| Knappschaft/ LKK | €650 | 494€ | €120 |
| IKK classic | 685€ | 532€ | €125 |
| IKK Verbund | 685€ | 532€ | €125 |
| BIG | 685€ | 532€ | €125 |
* WHO 2- 3
** Flat-rate repair fee = contractual arrangement between service provider (hearing aid acoustician) and statutory health insurance companies, which covers all repairs/new production of earmolds of hearing aids covered by health insurance only (without additional payment) within the standard period of use of six years.
Hearing aid provision by the AOK - What is covered?
Whoever is dependent on a hearing aid often faces many questions, especially when it comes to the assumption of costs by the health insurance company. As a statutory health insurance provider, the AOK covers the majority of the costs for standardized hearing aids. But what about the co-payment? And what's new in 2024?
Understanding the AOK co-payment regulation
The co-payment for hearing aids is an amount that insured persons have to pay themselves. Although the AOK covers a basic amount for hearing aid care, a co-payment may be required for higher-quality models. How high this is depends on several factors, including the terms of the contract with the hearing aid acoustician.
Current co-payment modalities and cost coverage
In 2024, the AOK has updated the regulations on cost coverage. The AOK generally covers the full cost of standard hearing aids, provided no special technical extras are requested. However, if insured persons want special functions, a co-payment may apply.
Hearing aids without co-payment - is that possible?Yes, there are hearing aid models that are available without co-payment. These are often referred to as "cash hearing aids" and meet the basic requirements. With the AOK, insured persons are entitled to a new device every six years, although certain conditions apply here too.
Additional benefits and premium hearing aidsFor hearing aids that go beyond standard care, a co-payment is usual. However, the AOK offers subsidies that can ease the financial burden for its policyholders. The amount of the subsidy depends on individual needs and the hearing aid selected.
How often does the AOK cover new hearing aids?The regulation stipulates that insured persons are entitled to a new hearing aid every six years. This also applies if hearing has deteriorated significantly or the old device is no longer functional.
Loss or damage - what now?If a hearing aid is lost or damaged, it is important to report this to AOK immediately. Depending on the situation and insurance conditions, the AOK may cover the cost of a replacement device or at least part of it.
Conclusion
The AOK provides comprehensive support for its policyholders when it comes to hearing aids and offers basic care that covers the costs. Depending on your needs and desire for additional functions, an additional payment may be required, although the AOK also offers support for this. It is important to be well informed and take advantage of the AOK's services to improve your hearing quality.
FAQs on hearing aid provision by the AOK
1. How much is the co-payment for hearing aids with AOK? The amount of the co-payment varies depending on the device and the contract with the hearing aid acoustician. No co-payment is often required for basic devices.
2. How often can I get a new hearing aid through the AOK? You are entitled to a new hearing aid every six years or if your hearing deteriorates significantly.3. Does the AOK fully cover premium hearing aids? The AOK covers the cost of standard hearing aids. A private co-payment may be necessary for premium models