FL S0498

Requires health insurers issuing individual policies with major medical coverage to provide hearing aid coverage for dependent children 18 years or younger diagnosed with hearing loss by a licensed physician or audiologist.

Mandates minimum coverage of $3,500 per ear in any 24-month period, with hearing aids prescribed, fitted, and dispensed by licensed physicians or audiologists.

Allows policies to limit ear mold coverage to six per 24-month period, but requires full benefits reset if a child experiences significant unexpected hearing changes or medical conditions requiring prescription changes.

Extends the same coverage requirements to health maintenance organizations issuing individual contracts with major medical or comprehensive coverage.

Applies to policies and contracts issued or renewed on or after January 1, 2023, with insureds and subscribers responsible for costs exceeding policy limits.