Re: Chewed HA insurance update

[Guest guest]

Who is your insurance with?

Tawnya

Chewed HA insurance update

So ya'll asked for an update. Apparently - this isn't going to be

cost free. $300 PER AID as a " replacement charge " . She said all the

HA insurances are doing it now...once one starts then they all pick it

up. And this is his one and only replacement on this insurance. I

can buy other insurance that is 150 a year PLUS a 150 replacement

charge but she said it might not be worth it because it is a yearly

expense. This does not negate his sizing and other repairs that the

insurance will continue to cover.

I have to renew my homeowners anyway so I'm going to get the

additional coverage for their aids. At least it isn't as expensive

and it gives me piece of mind. If we see our premiums go up because

we have to constantly replace them then I might look into something

else ...but for now.....

[Guest guest]

Who is your insurance with?

Tawnya

Chewed HA insurance update

So ya'll asked for an update. Apparently - this isn't going to be

cost free. $300 PER AID as a " replacement charge " . She said all the

HA insurances are doing it now...once one starts then they all pick it

up. And this is his one and only replacement on this insurance. I

can buy other insurance that is 150 a year PLUS a 150 replacement

charge but she said it might not be worth it because it is a yearly

expense. This does not negate his sizing and other repairs that the

insurance will continue to cover.

I have to renew my homeowners anyway so I'm going to get the

additional coverage for their aids. At least it isn't as expensive

and it gives me piece of mind. If we see our premiums go up because

we have to constantly replace them then I might look into something

else ...but for now.....

[Guest guest]

Who is your insurance with?

Tawnya

Chewed HA insurance update

So ya'll asked for an update. Apparently - this isn't going to be

cost free. $300 PER AID as a " replacement charge " . She said all the

HA insurances are doing it now...once one starts then they all pick it

up. And this is his one and only replacement on this insurance. I

can buy other insurance that is 150 a year PLUS a 150 replacement

charge but she said it might not be worth it because it is a yearly

expense. This does not negate his sizing and other repairs that the

insurance will continue to cover.

I have to renew my homeowners anyway so I'm going to get the

additional coverage for their aids. At least it isn't as expensive

and it gives me piece of mind. If we see our premiums go up because

we have to constantly replace them then I might look into something

else ...but for now.....

[Guest guest]

We are paying for insurance now because we alreayd had to replace

a hearing aid - lost at a Borders when the kids started wrestling

on the floor.

I didn't know you could cover hearing aids through a homeowner's insurance

rider...

[Guest guest]

We are paying for insurance now because we alreayd had to replace

a hearing aid - lost at a Borders when the kids started wrestling

on the floor.

I didn't know you could cover hearing aids through a homeowner's insurance

rider...

[Guest guest]

In a message dated 10/19/2006 1:28:45 P.M. Eastern Standard Time,

katie.naughton.qpgc@... writes:

The policy we have on 's HA's through State Farm is $113/ year with

NO deductible. (His HA's are worth $1500 w/earmolds..NO deductible. (

premium is based on)

We also have this kid of coverage through State Farm and our premium is

higher because Ian's aids cost more. The premium is based on the replacement

costs, not a set rate based on what they are. Ours has a $200 or $250 deductible

so the annual rate is lower than it would be with no deductible. We've carried

the insurance for 8 years and never made a claim, so the presence of the

deductible is worth it for us.

And the people at State Farm have always been very supportive and helpful.

the one time we almost filed a claim, they were great. We didn't file it

because we realized we were still under the Phonak two-year replacement/repair

warranty. And making the claim through Phonak wouldn't boost our rates. (grin)

Best -- Jill

[Guest guest]

In a message dated 10/19/2006 3:19:12 P.M. Eastern Standard Time,

eskilvr@... writes:

When those two years are up, though, we'll be getting the

policy through State Farm.

(We considered having a homeowner's rider, but we have a really high

deductible on our homeowner's insurance - high enough that the insurance

probably wouldn't kick in to pay for the actual replacement cost of a

TransEar unit. You gotta love living in a high-damage-TransEar unit. You

gotta

country.)

Our State Farm rep said we shouldn't put it onto a rider for just those

reasons. So the aids have their own little policy. Plus there is more chance of

loss or damage to the aids than for something drastic to happen to our house so

if we did make claims, it would drive up those policies and those are more

expensive than the aids' little policy. We also carry a $1 million dollar

umbrella policy because my hubby is a coach and we're both scout leaders. More

so for the coaching. We had a friend sued because a high-school-aged child

didn't listen to instructions (don't use the water pipes on the ceiling in the

locker room as monkey bars) and he didn't listen and they broke and the

family sued the coach for " loss of services " (of his teeth!) and negligence and

won. Imagine that. After having repeatedly telling those hormonal idiots that

it was dangerous and even having several conversations with their parents, and

the kid even admitted he had been warned repeatedly... oy! So we got a

rider just for such bizarre occurrences.

Anyway, I don't need to drive up those policy rates because of the aids, so

they have their own little policy.

Best -- Jill

[Guest guest]

Hi guys--

The policy we have on 's HA's through State Farm is $113/ year with

NO deductible. (His HA's are worth $1500 w/earmolds...that's what the

premium is based on)

The nice thing is, is that it is a separate policy, and even if he loses

a couple, they might decide to cancel in a few years....but it would not

affect any of our other policies.

For anyone in NY I can quote this coverage, and you can write just your

hearing aids through State Farm...otherwise I can help you locate a

local agent.

It's nice being able to sleep at night, knowing if he looses another,

we're covered. He had lost one the first day, which was covered through

Oticon as a one time only. Since then we lost one for a few weeks, but

found it before his audi was back to order the new one. (Phew)

I just want you guys to know that I don't make any commission or

anything selling these policies...I just like helping people:-) I've

been able to cover a few hearing aids, and a 10 year old insulin pump in

the past few months, because I know how nerve-wracking it can be to not

have coverage!

Have a wonderful day!

Naughton

Sales Associate

State Farm Insurance

Mike , Agent

58 Washington Street

Saratoga Springs, NY 12866

AState Farm®

Providing Insurance and Financial Services®

[Guest guest]

Hi - we've not insured through our homeowners (which is State Farm

but in NH) because we've found we need the damage/repair coverage more

than the loss portion. I figure that homeowners would not cover

maintenance/repairs to the hearing aids?

Naughton wrote:

>

> Hi guys--

> The policy we have on 's HA's through State Farm is $113/ year with

> NO deductible. (His HA's are worth $1500 w/earmolds...that's what the

> premium is based on)

>

[Guest guest]

Same here. Maybe it's because my boys were late ID'd at 4yo and 2yo. We've

been lucky, and haven't lost a hearing aid (that we didn't find later.) But

one pair were big time lemons, and both were repaired every summer at least

once.

> Hi - we've not insured through our homeowners (which is State Farm

> but in NH) because we've found we need the damage/repair coverage more

> than the loss portion.

[Guest guest]

Sam had a lemon-ish pair also (remember that, Stefanie?!). Stefanie and

I bonded over Novo Forte woes... So I'd never not have damage repair

but **knock on wood** have not needed replacement coverage.

and yes, same here, our boys were ID'd at 3-1/2 and 15 months...

Barbara

P wrote:

>

> Same here. Maybe it's because my boys were late ID'd at 4yo and 2yo.

> We've

> been lucky, and haven't lost a hearing aid (that we didn't find

> later.) But

> one pair were big time lemons, and both were repaired every summer at

> least

> once.

>

>

> > Hi - we've not insured through our homeowners (which is State Farm

> > but in NH) because we've found we need the damage/repair coverage more

> > than the loss portion.

>

>

--

****************

Barbara Mellert

Manager, Social Science Computing

Kiewit Computing Services

Dartmouth College

13A Silsby Hall, HB 6121

Hanover NH 03755

Telephone: 603/646-2877

URL: http://www.dartmouth.edu/~ssc

[Guest guest]

Yes, I do! And I¹m with you there...

on 10/19/06 2:50 PM, Barbara Mellert at Barbara.T.Mellert@...

wrote:

> Sam had a lemon-ish pair also (remember that, Stefanie?!). Stefanie and

> I bonded over Novo Forte woes... So I'd never not have damage repair

> but **knock on wood** have not needed replacement coverage.

>

> and yes, same here, our boys were ID'd at 3-1/2 and 15 months...

>

> Barbara

>

> P wrote:

>> >

>> > Same here. Maybe it's because my boys were late ID'd at 4yo and 2yo.

>> > We've

>> > been lucky, and haven't lost a hearing aid (that we didn't find

>> > later.) But

>> > one pair were big time lemons, and both were repaired every summer at

>> > least

>> > once.

>> >

>> >

>>> > > Hi - we've not insured through our homeowners (which is State Farm

>>> > > but in NH) because we've found we need the damage/repair coverage more

>>> > > than the loss portion.

>> >

>> >

[Guest guest]

I was extremely ecstatic to learn that the Seboteks we just bought have a 3 year

warranty. We have a rider on our homeowners ins. for loss.

[Guest guest]

We'd also be insured through a separate policy with State Farm for 's

TransEar, except it came with 2 years of loss/maintenance insurance from his

audiologist. When those two years are up, though, we'll be getting the

policy through State Farm.

(We considered having a homeowner's rider, but we have a really high

deductible on our homeowner's insurance - high enough that the insurance

probably wouldn't kick in to pay for the actual replacement cost of a

TransEar unit. You gotta love living in a high-damage-potential area of the

country.)

Kris

Mom to (8, Profound/Complete SNL, Left Ear) and Ethan (7, hearing)

<---- and who also lives in one of the most hail-prone areas of the country!

_____

From: Listen-Up [mailto:Listen-Up ] On Behalf

Of Barbara Mellert

Sent: Thursday, October 19, 2006 1:19 PM

To: Listen-Up

Subject: Re: Re: Chewed HA insurance update

Hi - we've not insured through our homeowners (which is State Farm

but in NH) because we've found we need the damage/repair coverage more

than the loss portion. I figure that homeowners would not cover

maintenance/repairs to the hearing aids?

Naughton wrote:

>

> Hi guys--

> The policy we have on 's HA's through State Farm is $113/ year with

> NO deductible. (His HA's are worth $1500 w/earmolds...that's what the

> premium is based on)

>

[Guest guest]

So we will still have the repair coverage through the manufacturer. If I get

the coverage through my home owners insurance for lost/damage coverage I'm sure

my regular deductible will apply right??? So 500 (or whatever I have). I had

heard about the State Farm coverage. Its 100 a year and then a deductible or no

deductible? What does it cover? Repair, refit, remake and loss? Or is it just

loss and damage? Now I don't know which to do. All I need for 2 more years

is loss and damage coverage because of the warrenty through the manufacturer.

Insurance is one of those things that goes over my head.

---------------------------------

Get your own web address for just $1.99/1st yr. We'll help. Yahoo! Small

Business.

[Guest guest]

Sara - check with the manufacturer - some I think do cover

loss/damage/repairs - it differs from vendor to vendor.

The hearing aid insurers - ESCO and Midwest - do offer all I'm nearly sure.

Sara Chaddock wrote:

>

>

>

> So we will still have the repair coverage through the manufacturer. If

> I get the coverage through my home owners insurance for lost/damage

> coverage I'm sure my regular deductible will apply right??? So 500 (or

> whatever I have). I had heard about the State Farm coverage. Its 100 a

> year and then a deductible or no deductible? What does it cover?

> Repair, refit, remake and loss? Or is it just loss and damage? Now I

> don't know which to do. All I need for 2 more years is loss and damage

> coverage because of the warrenty through the manufacturer. Insurance

> is one of those things that goes over my head.

>

> ---------------------------------

> Get your own web address for just $1.99/1st yr. We'll help. Yahoo!

> Small Business.

>

>

[Guest guest]

In a message dated 10/19/2006 5:16:30 P.M. Eastern Standard Time,

saraandchadd@... writes:

What does it cover? Repair, refit, remake and loss? Or is it just loss and

damage?

Loss and damage that warrants replacement. We send Ian's aids in once a year

for a " check-up " and when we do that we get another year of warranty for

repairs. As for molds and refits ... we pay for molds when they're needed and

there are no re-fits for our BTEs, at least I've never been told about something

being refit.

Jill

[Guest guest]

Ugh ... my reply referred to what is covered by our policy with State Farm.

When we send in the aids for their annual check-up, that's Phonak who extends

the repair warranty.

Jill, who needs a cuppa coffee