Federal Employees,
use your insurance benefit to get reimbursed for your hearing aids.
You may be eligible for reimbursement through your Federal Employees Health Benefits (FEHB).
Let's talk it over. Call (855) 903 FEHB
Mon-Fri, 8:00am - 8:00pm ET | Sat-Sun, 12:00pm - 5:00pm ET
Good chance your plan qualifies.
We can help facilitate reimbursement for FEHB and other insurance plans,* including:
American Postal Workers
Union Health Plan
Federal Retiree
Health Plan
BlueCross BlueShield Federal Employee Plan
Mail Handlers
Benefit Plan
Government Employees Health Association
National Association of Letter Carriers Health Benefit Plan
* Lively does not guarantee coverage by any specific insurance plan, and recommends you confirm eligibility and coverage with your insurance carrier.
How does it work? In 3 easy steps.
Call us
We'll collect some basic information, direct you to our online hearing test to determine if you're a candidate for hearing aids, and help you find the right device. Check to see if your insurer covers hearing aids before purchase. Your insurer might require an audiogram for maximum benefit.Hearing aids arrive at your door
You'll then attend orientation remotely with our Audiology Team.Reimbursement time
You'll receive the paperwork related to the products and services you received from us so you can submit your claim.
What will you have to provide for your Lively call?
- Your name
- Insurance information and relevant hearing loss history
- Location and contact information
Are you eligible?
Determining eligibility is simple. Just ask these questions — and check with your insurer about what documentation you'll need.
- Are you a federal employee with a select FEHB plan?
- What is your available hearing aid allowance?
- Does your hearing aid benefit cover telehealth?
- Is your coverage active?
You don't have to be a federal employee to love Lively.
How do I know if I have a hearing aid benefit I can use with Lively? Contact your insurance / benefits provider. Ask if they have an out-of-network hearing aid benefit, and what documentation they require to claim it. If your provider does cover this expense (in whole or in part), our Care Team can provide you with the paperwork for you to submit a claim after you have received your hearing aids, had your Orientation session with a member of our Audiology team, and provided any necessary documentation such as an audiogram.
Some questions you should ask your insurance/benefits provider:
1. Do I have a hearing aid benefit?
2. Am I eligible for the benefit?
3. What is my coverage amount per hearing aid?
4. What codes do I need on a claim from a hearing aid vendor in order to provide me with my maximum reimbursement?
5. Does my insurance cover telehealth services?How do I know if I'm covered by FEDERAL EMPLOYEE HEALTH BENEFITS (FEHB) Lots of companies offer insurance plans under Federal Employees Health Benefits (FEHB). Nearly all of them have some hearing benefit, though some restrict how and where you can use your benefits. These include American Postal Workers Union Health Plan (APWU), BlueCross BlueShield Federal Employee Plan (BCBS), Government Employees Health Association (GEHA), Mail Handlers Benefit Plan (MHBP) and National Association of Letter Carriers Health Benefit Plan (NALC). Let's chat to discuss how you can learn what yours covers.
Do I need to put my credit card down or pay anything upfront? Yes. You pay Lively directly and then submit a claim to your insurance company for reimbursement.
Why do I have to pay for the cost of the hearing aids upfront? We require payment in order to ship a pair of hearing aids to a new customer, and you can work with our dedicated support team to navigate the reimbursement process. We are unable to ship hearing aids that are not yet paid for. Rest assured, you're protected by our 100-day trial period should there be any disruptions throughout the process. You may contact us at any time within 100 days to initiate a return and Lively will issue a full refund (no hidden restocking fee, we pay for shipping both ways).
Can Lively bill my insurer or submit the reimbursement for me? No, but we can help facilitate and guide you through the paperwork process to make seeking reimbursement as easy and smooth as possible.
How long does the reimbursement process take? It varies depending on your insurance provider and plan. Generally, most plans pay approved member-submitted claims within 15 to 45 days of the claim submission, but it can take longer. We recommend contacting your insurance company to get a more accurate estimate on the timeline for reimbursement.
How do I receive documentation from Lively to submit an insurance claim? Our Care Team will provide you with an itemized and coded bill after you complete your Lively Orientation appointment and submit any necessary documentation. You'll send the itemized and coded bill to your insurance company to submit a claim. We recommend scheduling your Orientation immediately after receiving your hearing aids so you can submit your claim as early as possible.
How are the insurance codes determined? The codes on the itemized bill are determined by the method used to program the hearing aids - for example, whether you took our online hearing test or provided a recent (less than six months old) audiogram
What happens if my insurance company takes too long to process my claim and I fall outside of the 100-day return window? We recommend filing the insurance claim as quickly as possible and frequently checking the status of the claim with your Insurance company. We expect that most customers will be able to receive an indication of the approval status within the 100-day trial period. In the event you are not able to receive a claim decision or your claim is denied after filing the claim, give the Lively Support team a call before your 100th day for assistance. Call (888) 888-FEHB.
Is there anything I can do to increase my chances of getting reimbursed by my insurance company? Uploading a qualified audiogram will increase the likelihood of reimbursement for maximum benefit. A qualified audiogram (less than six months old and completed by a licensed audiologist with air and bone conduction testing and speech testing) allows Lively to include a diagnostic code on your itemized bill.
Do I need to provide an audiogram to Lively? Not necessarily, but it can significantly increase the likelihood of your claim being approved and maximizing your benefit.
What if I have an audiogram, but it's more than 6 months old? We require that an audiogram be completed within 6 months in order for Lively to provide a diagnostic code on your itemized receipt for your insurance claim.
Can Lively refer me to a place where I can get an audiogram? You can use this link to find a local hearing aid test provider to administer a hearing test and provide an audiogram. You may wish to clarify that the results can be forwarded to you upon the hearing test's completion.