Audiologist vs COSTO /OTC HAs

I think (maybe I thought) I have a generous health insurance that reimburses HAs up to $4000 (no deductibles) over a 5y cycle. I went to an audiologist and discovered that top of the line HAs are $7000 😱That would leave me with $3000 out of pocket and a device that most likely would be obsolete way before 5 years, at the pace AI is evolving even in this field. The best HAs model at COSTO costs $1700 with better guarantee (3y including loss and damage). Even if I had to pay it out of pocket, which I won’t, I would still be able to upgrade model mid-cycle and still spend less than my out of pocket. I did not feel any difference between the Phonak/Sparkey and the Jane’s. It’s an easy choice for mild to moderate hearing loss.