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How to save money buying hearing aids with your HSA/FSA account

If you are considering purchasing hearing aids for you or a dependent this year, take a look at your FSA or HSA options. These tax-free savings accounts are great assets that can help lower the cost of hearing aids significantly.

How can I use my FSA/HSA account to buy hearing aids?

If you have one of these accounts already set up, our hearing aids are reimbursed in the same way as any other covered medical expense, such as eyeglasses or dental work. If you have an HSA credit card, you would just pay for the hearing aids with your credit card. Embrace Hearing accepts all HSA credit and debit cards. 

Are all hearing devices eligible?

No. Although Embrace Hearing aids are covered, not all 'hearing devices' are FSA/HSA eligible. Be sure to check before you buy. 

I have an FSA/HSA account but I don’t have enough money in it to pay for hearing aids. What should I do?

If you need hearing aids but don’t have sufficient funds in your account, you have two options:

  1. Speak to your plan holder about increasing your deposit to cover the hearing aids you are looking for. Remember these funds are deposited tax free so you can still save significantly on your aids. 
  2. You can split your payment between the remaining balance on your HSA card and another credit card. Please call us at (888) 929-9555 for help with this.

I don’t have an FSA or HSA. What are they?

If you are covered under an employer’s health insurance plan, you may have access to a flexible spending account (FSA) or a health savings account (HSA), where you can store funds intended for out-of-pocket medical expenses. The funds in these accounts can be used for medical costs not covered by your insurance, including buying hearing aids. You can see details for FSA accounts HERE and HSA accounts HERE.

An HSA/FSA allows account holders to pay for current health care expenses and save for those in the future. Its advantage is that contributions are tax-deductible, or if made through a payroll deduction, are pre-tax. Second, the interest earned on the account balance is tax-free.

How do they work?

You deposit money as a payroll deduction (FSA) or directly (HSA). When it comes time to actually make the purchase, it’s easy to access the funds in your account. Often you can access your FSA and HSA funds via a debit card, which can be used when you make your purchase. If you don’t have access to a debit card, you can submit receipts from your purchases to your insurance company or employer for reimbursement from your account. Since this is your money simply stored in an outside account, there is never a debate about how much insurance companies will reimburse, as long as it’s a qualified expense.

How much time do I have to use these accounts?

HSA accounts roll over into the following year. But if you’re planning on using FSA funds, remember that you need to make your purchase by December 31 to be eligible to use your account. 

How do I set up an account for next year?

Talk to your employer or insurance company about how to set up an account. It’s easy: you commit to an annual amount at the beginning of the year and you use the money when you need it. Remember this is a pre-tax payment, so you don’t pay income tax on your deposits or when you use the funds for a qualified expense. So by using these accounts in your purchase, you are buying your hearing aids income-tax free!

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The X-Series Models

Vs
  • Compare to:

  • Our price per ear/pair:

  • ? This is the number of frequency bands we use to program your hearing aids to the results of your hearing test. The hearing aid then uses these bands to re-build sound to meet the needs of your hearing loss. The greater the number of bands, the better the sound quality delivered to you.
    Programable bands/channels

  • ? Our comprehensive warranty covers any manufacturer defects including free replacement of rechargeable batteries and receivers as well as half price one-time loss and irreparable damage replacement. In addition, during the warranty, there is no charge for reprogramming or adjustments.
    Warranty (and Loss Insurance)

  • ? Connects directly to your smartphone (or other Android or Apple device). Two way streaming enables completely hands free calls. Add our TV Connector for direct streaming from your TV so you can adjust your TV volume without affecting the sound for others.
    Bluetooth for completeley hands-free calls

  • ? Although the software on these hearings makes adjustments seldom necessary, it is possible to change the volume and some manual settings using either the free smartphone App or the buttons on the aids. An optional hand held remote is also available.
    Volume and Program Control

  • ? We offer a choice of disposable 312 battery or lithium ion rechargeable battery on some models. The rechargeable battery will perform for up to 24 hours after a 3 hour charge. The disposable batteries will last 3-7 days depending on hours of use, level of hearing loss and amount of Bluetooth streaming. A year’s supply of size 312 batteries currently costs about $30/year/aid.
    Power Source

  • ? The hearing aid's software automatically identifies and adjusts to changes in your sound environment (e.g. From a quiet car to a noisy restaurant) so no manual adjustments are needed.
    Automatically adjusts to your environment

  • ? This is the best technology for group situations. It provides optimal speech understanding from all directions by dynamically scanning your environment to focus on the active speaker in your immediate vicinity.
    LiveSpeechFocus

  • ? While most people find that the restoration of high frequency hearing through the use of properly programmed hearing aids significantly improves tinnitus symptoms, there is more we can do. All of our hearing aids come with a tinnitus management program. This is not a cure but it can further help alleviate tinnitus symptoms through the use of a self-adjustable 'white noise' sound in the background.
    Tinnitus Manager Program

  • ? BiCROS hearing aid progamming is for people who have unaidable hearing loss in one ear but have some level of hearing in the other. You would wear hearing aids on both ears. We program them so a microphone picks up sounds from the weak ear and transmits them to wirelessly to the ear with better hearing.
    BiCROS programming

  • ? REMOTE PROGRAMMING - With the X-550 and X-950 models, we can make adjustments to you hearing aids remotely. You would explain the issue to our Audiologists and the new program would be uploaded to your hearing aids automatically (via Bluetooth).
    Remote Programming

  • ? TELECOIL - The telecoil is also known as a T-coil, or T-switch. When activated, the telecoil permits the transmission of sound from a "Hearing Loop" sometimes found in public spaces and theaters. If you require this feature, please call us for details at (888) 929-9555.
    Telecoil

  • Colors

The C-Series Models

Vs
  • Compare to:

  • Our price per ear/pair:

  • ? This is the number of frequency bands we use to program your hearing aids to the results of your hearing test. The hearing aid then uses these bands to re-build sound to meet the needs of your hearing loss. The greater the number of bands, the more natural the sound and the better the performance in more challenging situations, like restaurants.
    Programable bands/channels

  • ? Our comprehensive warranty covers any manufacturer defects including free replacement of rechargeable batteries and receivers as well as half price one-time loss and irreparable damage replacement. In addition, during the warranty, there is no charge for reprogramming or adjustments.
    Warranty (and Loss Insurance)

  • ? Although the software on these hearings makes adjustments seldom necessary, it is possible to change the volume and some manual settings using the Android/Apple smartphone App or optional hand held remote.
    Volume and Program Control

  • ? The disposable size 10 batteries on these hearing aids will last about 4-6 days depending on hours of use and level of hearing loss. A year’s supply of size 10 batteries currently costs about $30/year/aid.
    Power Source

  • ? The hearing aid's software automatically identifies and adjusts to changes in your sound environment (e.g. From a quiet car to a noisy restaurant) so no manual adjustments are needed.
    Automatically adjusts to your environment

  • ? This is the best technology for group situations. It provides optimal speech understanding from all directions by dynamically scanning your environment to focus on the active speaker in your immediate vicinity.
    LiveSpeechFocus

  • ? While most people find that the restoration of high frequency hearing through the use of properly programmed hearing aids significantly improves tinnitus symptoms, there is more we can do. All of our hearing aids come with a tinnitus management program. This is not a cure but it can further help alleviate tinnitus symptoms through the use of a self-adjustable 'white noise' sound in the background.
    Tinnitus Manager Program

  • ? BiCROS hearing aids are designed for people who have unaidable hearing loss in one ear but have some level of hearing in the other. You would wear hearing aids on both ears. A microphone picks up sounds from the weak ear and transmits it to wirelessly to the ear with better hearing
    BiCROS programming

  • ? With the C-540 and C-940 models, we can make adjustments to you hearing aids remotely. You would explain the issue to our Audiologists and the new program would be uploaded to your hearing aids automatically.
    Remote programming and adjustments

  • Telecoil

  • Colors

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