My hearing loss is severe, so I can't just get Costco hearing aids... and insurance never covers it. They cover the audiologist exam, but not the hearing aid it

My hearing loss is severe, so I can't just get Costco hearing aids... and insurance never covers it. They cover the audiologist exam, but not the hearing aid itself. It sucks so bad. And yes, if I want Bluetooth accessories, it's even more expensive. My current hearing aid is "Made for iPhone" or whatever, so it can stream directly from my iPhone, which is awesome. Unfortunately, my brand new Apple Watch isn't, so I still have to carry my phone with me on runs or whatever, while my wife can just wear her watch and Bluetooth headphones... First world problems, I guess?