IL HB4656

Requires coverage for hearing instruments and related services for individuals 65 years and older when prescribed by a licensed audiologist or physician in all individual and group accident and health insurance policies, HMO plans, and managed care plans issued or renewed after the bill's effective date.

Defines "hearing instrument" as wearable non-disposable devices designed to aid impaired hearing, including parts and attachments but excluding batteries and cords; "related services" includes audiological exams, ear mold replacements, and repairs.

Mandates insurers provide minimum coverage of $1,500 per hearing instrument every 24 months, subject to applicable co-payments, co-insurance, deductibles, and out-of-pocket limits.

Prohibits insurers from paying claims for hearing instruments if the insured filed a claim for the same service within the prior 24 months that was already paid by any insurer.

Applies requirement to State Employees Group Insurance Act, county and municipal self-insured health plans, school district insurance, Health Maintenance Organizations, Limited Health Service Organizations, Voluntary Health Services Plans, and Illinois Public Aid Code medical assistance program.