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Insurance and Support for Lost Hearing Aids

Losing a hearing aid is a common mishap—here’s what to do if it happens.
Last update on Jul, 01, 2025

A lost hearing aid can be stressful and expensive. Hearing aids are vital for daily communication and improving quality of life, but they’re also prone to being misplaced due to their small size and the frequency with which they’re handled. Fortunately, there are several ways to locate lost hearing aids and safeguard yourself financially with insurance coverage options. Here’s what to know.

How to Find a Lost Hearing Aid

The first step when you realize your hearing aid is missing is to quickly retrace your steps. Here are some key tips:

  • Check usual locations like the bed, bathroom, or clothing.
  • Look in soft areas, such as bedding, couches, or laundry piles—places where hearing aids can easily get lost or hidden.
  • Use a flashlight to scan hard-to-see areas.
  • Purchase hearing aid clips to prevent loss of hearing aids. These are standard elastic retention devices that clip to a shirt, making it easier to keep track of your devices.
  • Ask a friend or family member to listen closely. Some devices make chirping or beeping sounds when not in use, a feature designed to help in the recovery of hearing aids.

If your hearing aid is still under warranty, call your audiologist immediately to see if it includes a one-time replacement clause.

How to Find a Lost Hearing Aid on iPhones

For compatible models, iPhones and iPads can help locate a lost hearing aid using Bluetooth technology or manufacturer-specific apps.

Apple-Compatible Solutions:

  • Use the hearing aid manufacturer’s app (such as ReSound Smart 3D, Phonak, or Starkey) to locate your hearing aid on a map or activate a “find my hearing aid” signal. Learn more about hearing aid apps for smartphones
  • Use iPhone’s Bluetooth menu to check if the hearing aid is in range. If the hearing aid appears connected, it may still be nearby. Read on for more ways to pair your iPhone to your hearing aids
  • “Find My” App Limitations: Apple’s native “Find My” app doesn’t work for hearing aids unless the hearing aid is part of a made-for-iPhone ecosystem that includes tracking features. [1]

Keep in mind that these options will only work if your hearing aids are still powered on and within range, typically 10 to 30 feet.

Hearing Aid Loss Insurance Coverage

Many hearing aids come with a manufacturer's warranty that may include one-time replacement coverage for loss or damage during the first 1 to 3 years. However, not all plans are created equal, and some require you to purchase extended coverage.

What’s Typically Covered:

  • Loss, theft, or irreparable damage
  • One-time replacement per ear
  • Replacements at discounted prices if not covered fully

Note: There will be a fee or deductible if you use your loss and damage coverage.

Private insurance may offer hearing aid loss protection, but Medicare Part B does not cover hearing aids or hearing aid loss insurance. [2] Some Medicare Advantage (Part C) plans and Medicaid (state-dependent) may offer partial coverage. [3]

Hearing Aid Loss Insurance Cost

The cost of loss and damage insurance for hearing aids varies based on several factors, including the device’s retail value, the coverage term, and whether the protection is provided through the manufacturer, a third-party plan, or a supplemental plan.

Common Pricing Averages:

  • Manufacturer-backed protection: Often included for 1–3 years. [4]
  • Extended protection plans: $100–$300 annually for coverage per device, although these usually have to be added while the original warranty is still in effect.
  • Third-party providers: Plans like ESCO or Midwest Hearing Aid Insurance offer replacement policies with premiums ranging from $50 to $150 per year, depending on device cost.

Weigh these costs against the price of a full replacement, which can be expensive. 

Hearing Aid Insurance for Loss or Damage

There are three main avenues for hearing aid insurance for loss or damage of hearing aids:

1. Manufacturer Warranty Plans

  • Most offer 1- to 3-year loss or damage protection.
  • Replacement typically requires a deductible payment.

2. Homeowners/Renters Insurance Riders

  • Some policies allow you to add high-value hearing aids to your contents list.
  • This may result in an increased premium or a deductible higher than the replacement cost.

3. Third-Party Insurance Plans

  • These specialize in hearing device protection.
  • Plans cover accidental damage, moisture damage, and complete loss.
  • Some also include repair and loaner devices during replacement time

Take a look at Amplifon Hearing Health Care’s comprehensive warranty that covers repairs, loss, and damage to hearing aids.

Amplifon’s warranty offers coverage for repairs and a one-time replacement with deductible for loss and irreparable damage to your hearing aids.

Loss Protection Worth Investing In

Losing a hearing aid doesn’t have to be devastating. With smartphone tools and manufacturer apps, you may be able to recover it quickly. For peace of mind, it’s worth exploring insurance options that include loss protection—whether through your audiologist, a third-party provider, or supplemental insurance. If you would like to speak with a provider, please find an Amplifon clinic near you to schedule an appointment.

Protecting your investment ensures continued access to the world of sound and avoids the financial burden of full replacement costs.

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If you’re unsure if your health insurance covers hearing care, we’ve got you covered. Easily check your benefit today to see if your insurance carrier covers hearing aid loss protection.

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Sources

[1] Cleveland Clinic. “Hearing Loss? Consider These Hearing Assistive Technologies”. Retrieved from https://health.clevelandclinic.org/hearing-assistive-technology

[2] Forbes. “Does Medicare Cover Hearing Aids in 2025?” Retrieved from https://www.forbes.com/advisor/health-insurance/medicare/does-medicare-cover-hearing-aids/

[3] Forbes. “Does Medicare Cover Hearing Aids in 2025?” Retrieved from https://www.forbes.com/advisor/health-insurance/medicare/does-medicare-cover-hearing-aids/

[4]  Healthy Hearing. “Warranties and Hearing Aids: How They Work, and How to Extend Your Coverage.” Retrieved from https://www.healthyhearing.com/report/53293-Warranty-hearing-aids-extended-why-good-idea-explainer

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