Insurance for Hearing Health Services

Hearing insurance is financial coverage and/or discounts on hearing care, including hearing testing and hearing aids. Are hearing aids covered by insurance? Like vision or dental insurance, hearing insurance may or may not be included as an ‘add-on’ benefit to your health insurance or employer/union benefit. Read more about Medicare’s hearing coverage when it comes to hearing aids.

Not all hearing insurance is equal! Some benefits organizations (like Amplifon Hearing Health Care) also provide hearing health education, high-quality clinics, a wide selection of hearing aids, and pre- and post- hearing aid fitting support. The goal is to ensure that members get the most cost-effective, high-quality hearing care.

If you’re a senior and you’re wondering what insurance covers hearing aids, there are a few different options available to you: 

• Original Medicare (Part A & B): Does not cover hearing aids or routine hearing exams, which means you pay 100% out-of-pocket for devices and fittings. [1] 
• Does insurance cover hearing tests? Yes, Part B covers diagnostic hearing and balance exams if ordered by a physician for a medical need, such as vertigo (link to blog once posted). 
• Medicare Advantage (Part C): In 2024, 94% of Medicare Advantage Plans offered hearing benefits in 2024,  including hearing aid benefits, such as coverage or discounts for devices, fittings, and follow-up care. [2] Benefits differ by plan, so make sure to review plan specifics carefully. 
• Medicaid & State Programs: Medicaid coverage for seniors varies by state. Some states include hearing aids and services, but eligibility for these benefits depends on income and state policy. 
• Employer or Association Plans: Certain employer-sponsored insurance plans and associations (e.g., Union Plus and Fraternal Order of Police) often include hearing aid benefits. Sometimes this is through partnerships with providers, such as Amplifon. 

See if your state offers hearing aid coverage. 

Yes. Like health insurance, your hearing benefit may or may not be renewed when your plan year ends. Most benefits expire annually or bi-annually, depending on what coverage you have.

If you had a hearing benefit in the past but aren’t sure if you’re still covered, it’s always a good idea to call us to confirm whether you still have a benefit. This is especially important if you have changed health insurance carriers or employers/union associations, or if you have recently enrolled in Medicare or Medicare Advantage.

If you’re wondering: “Does insurance cover hearing aids for adults?”, the answer varies greatly by which plan you’re enrolled in. We’ve broken it down below:

Commercial Health Insurance: More and more states are requiring health plans to cover hearing aids. Unfortunately, most private health plans from commercial insurers do not cover hearing aids. However, a few plans may offer partial coverage or discounts.  

Dental Vision-Hearing Plans: These specialty supplemental plans combine hearing aid benefits with coverage for vision and dental care. They typically offer:

• Annual allowances for hearing aids (e.g., up to $700–$1,000 per device)
• Coverage for fittings and follow-up exams

Veteran Affairs (VA): The VA healthcare system provides hearing aids for eligible veterans, including seniors, at no cost. [3] 

Affiliate Groups: Unions and other affiliated organizations, such as AARP and universities, may have hearing discount programs or even dollar benefits funded by the group for their members.