I agree!! But here's what I think, not what I know mind you, but what I think their line of thinking is. They (insurance companies) do not view hearing aids as "medically necessary", being HoH will not hurt us. But to qualify for a CI, hearing aids have to be to little or no benefit, so then you(general you) moved over into the area of being disabled. Which I guess means, to them, that a CI could be considered medically necessary, to make a person not disabled. You see as long as a persons hearing is good enough that with the assistance of hearing aid, you are considered an able bodied worker and fit to join the work force, therefore not disabled. Well, whether or not you can afford one, well that's just your problem I guess. I'm not justifying they're reasoning, I'm just trying to figure out their reasoning, and that makes the most sense to me.
also I don't want to get into a debate about the whole disabled not disabled thing, I'm just demonstrating the possible view of it by the insurance companies and SSD.