ChaseHealthAdvance

FINANCING FOR OUR PATIENTS & THEIR FAMILIES

FLEXIBLE PAYMENT PLANS FOR THE CARE YOU DESERVE.

Get the hearing treatment solution that is best for you with the highest credit lines in the industry and clear, simple and affordable monthly payment plans. Take advantage of our no interest and extended payment plans today.

FINANCING HIGHLIGHTS

No interest payment plans if paid in full within 6, 12, 18 or 24 months
Extended payment plans up to 48 months
Revolving lines of credit starting at $5,000
No down payment, plus instant credit approvals with no application fee

Improve your hearing. Improve your life.

Apply now.. or click here to learn more about our payment plans.

HEARING SOLUTIONS AVAILABLE FOR FINANCE

Behind-The-Ear (BTE)
In-the-ear (ITE)
In-the-canal (ITC)
Completely in-the-canal (CIC)

Please call DiY Hearing Aids at (888) 876-1113 for specific financing details. It's a simple application... Give Us A Call.

Don't compromise your hearing options because of cost

With the ChaseHealthAdvance Healthcare Financing Program you can get the hearing aids you need with payments that fit within your budget.

Excellent customer service and support
Variety of hearing aid finance programs
Low fixed monthly payments
Low fixed annual percentage rate
No penalties for early payoffs
Minimal paperwork
No prepayment penalties
No application fee
No non-usage fees
No change in terms or interest rate if applicant is late in paying
Payment options - check, ACH or online

ChaseHealthAdvance meets the needs of people seeking affordable payment plans for treatments, procedures and even pet care not covered by health insurance. Our flexible payment plans are all available with a revolving line of credit starting at $5,000. No down payment is necessary.

NO INTEREST IF PAID IN FULL WITHIN THE PROMOTION PERIOD OF 6, 12, 18 OR 24 MONTHS.

Interest will be charged to your account from the purchase date if the balance is not paid in full within 6, 12, 18 or 24 months, you make a late payment or you are otherwise in default.

Extended Pay Promotional Periods of 24, 36 or 48 months will be charged at an APR of 14.99%. If you make a late payment or are otherwise in default any remaining balance will accrue interest at the purchase rate of 27.99%.

Estimated Payment Calculator

Common Questions and Answers

What are your financing options and current interest rates?

We offer no interest payment options if paid in full within 6, 12, 18 or 24 months, plus extended payment plans up to 48 months. You will pay no interest if you make the minimum monthly payment on time each month and pay the account off within the promotional financing period. The rates on our extended payment plans will vary depending on your credit background and the program(s) your doctor participates in. Interest rates can start at 14.99%.

How do I apply for ChaseHealthAdvance Financing Options?

We have a very simple and convenient application process. You can get an instant credit decision if you apply in a participating doctor's office. You can also apply online from your home through a credit link on your doctor's Web site. We can also fax you an application for you to complete and return via fax. If you prefer to apply over the phone, we can do that as well.

How long will it take to get an answer on my credit application?

If your application is submitted online, your doctor will know within seconds. If you or your doctor faxed the application, we will fax back an answer within minutes of receiving the completed application. If you apply by phone, your doctor will know the credit decision within 30 minutes.

If I am declined, can my (boyfriend, girlfriend, mother, father, brother, sister, son, daughter, friend, cousin, aunt, uncle, boss, co-worker, neighbor) apply for me?

If you are declined, you cannot have someone apply for you. We generally require that all individuals using the account be either the applicant, co-applicant or an authorized user. Only persons living in the same household as the account holder can be added to an account as an authorized user.

How can I add an authorized user to my account?

To become an authorized user, the applicant/account holder must provide written authorization to us requesting that you are to be added as an authorized user to the account. The authorized user form can be obtained directly from us or from your provider's office.

How long do I have before my approval expires?

You can use your credit line any time within 90 days from the date of the original approval. If you think your procedure will take longer than 90 days, simply call your doctor and ask for additional time to use your account.

Can I use my account for other procedures?

Yes, you can use your account for any dental, orthodontic, cosmetic, vision correction, chiropractic, med spa or even veterinary treatments at any participating practice at any time while your account is active. If the initial 90-day approval period has expired, simply contact any participating doctor/practice you desire and they can obtain authorization for additional charges to your account, up to your maximum credit line.

Additional Finance Options and Considerations

When it comes to paying for hearing aids, there are a variety of resources that may be available to you.

Medicare

Typically Medicare does not cover routine hearing evaluation or hearing aids. Although in some cases, exams ordered by a physician and conducted by a licensed audiologist may be covered by Medicare Part B. Medicare Advantage Plans may have hearing aid coverage.

A nice search tool is provided by Medicare to search your state for Medicare coverage of hearing aids and hearing exams.Here's the link to the tool: www.Medicare.gov/coverage/home.asp

Medicaid

Most state Medicaid programs cover partial or complete costs for hearing aids. (Medicaid must cover hearing aid costs for children.)

There are different eligibility conditions depending on your state program, and your doctor or hearing specialist can help you determine whether this coverage is available to you. For telephone numbers and contact information for the Medicaid program in your state, visit www.govbenefits.gov and select “Medicare/Medicaid.”

VA Benefits

The Veteran’s Administration (VA) provides access to audiology services and hearing aids for qualified veterans. For additional information, veterans should contact the VA health care facility near their homes. To locate the VA facility near you or for a list of all facilities, go to www.va.gov and select “Locations.”

For more information, view:http://www4.va.gov/healtheligibility/coveredservices/SpecialBenefits.asp#EyeEar

Private Health Insurance

Hearing aid coverage for adults is not mandated in every state. Some private health insurance companies cover the costs of hearing tests, a hearing aid evaluation and even partial or full coverage of a hearing aid—while most of them provide no coverage at all. Check your individual plan coverage by calling the member services phone number on your insurance card.

Questions To Ask Your Insurance Provider:

Does my insurance policy cover the entire cost or partial cost for hearing aids?
Do I have to use a specific hearing aid provider? If yes, please provide a list of approved providers in my area.
If my insurance plan provides a benefit for hearing aids, do I have to pay the provider and submit a form for reimbursement or does my hearing aid retailer have to bill my insurance provider directly?
Is the hearing aid benefit limited to specific hearing aid models or hearing aid technology?
Are there any additional criteria or stipulations for coverage? For example, is there a threshold of hearing loss severity I must meet before I am eligible for the hearing aid benefit?

Consumer Reports calculate savings for a person in the 28-percent tax bracket who spends $5,000 from a flexible spending account on hearing aids will effectively save $1,400 by paying with pre-tax dollars.

Flexible Medical Spending Plans

Some employers sponsor Flexible Medical Spending Plans, which allow you to set aside a portion of your earnings on a pre-tax basis. The money can be used throughout the year to pay for medical expenses not covered by your insurance provider. Using pre-tax flexible spending dollars is an excellent way to offset hearing aid expenses.

Health Savings Plans

Health savings plans are tax-advantaged medical savings accounts available to taxpayers who are enrolled in high deductible health plans. The money contributed to health savings plans is not taxed at time of deposit and accumulates year over year, with interest, if it is not spent. Health savings plans can be used for medical and health-care related purchases not covered including hearing aids.

State Vocational Rehabilitation Programs

If hearing aids are required for your employment, state vocational rehabilitation programs may provide financial assistance toward their purchase. Find your local office by visiting www.disability.gov/benefits and using the “Information by State” tool to find rehabilitation programs in your home state.

Deducting Your Costs

If you itemize your taxes, health-care costs that exceed a certain percentage of your adjusted gross income can be deducted from your federal income tax. Hearing aids and hearing aid batteries are among the qualified medical costs that are deductible. Talk to your tax preparer for more information.

Service Organizations and Foundations

Many fraternal and service organizations have programs to provide assistance with hearing aids. Some of these may include the Lions Club, Fraternal Order of the Eagles, Moose Lodge, Masonic Lodge or Shriner’s organizations.

To find agencies in your state, try these keyword search terms: Your State name, programs for hearing impairment, hearing loss services, or free products and services for the hearing impaired.