Are you wondering, “Does Medicare cover hearing aids?” You’re not alone. Many seniors grapple with this question as they navigate their healthcare options. In fact, 1 in 3 adults between 65 and 74 have some form of hearing loss.
In this comprehensive guide, we’ll explore Medicare coverage for hearing aids, alternative options, and tips to help you make informed decisions about your hearing health.
Keep reading to find out more.
Understanding Original Medicare and Hearing Aid Coverage
Original Medicare, which includes Part A (hospital insurance) and Part B (medical insurance), has specific limitations regarding hearing aid coverage:
- Hearing Aids: Unfortunately, Original Medicare does not cover hearing aids or fittings. Beneficiaries are responsible for 100% of these costs.
- Routine Hearing Exams: Medicare Part A and B do not cover routine hearing tests.
- Diagnostic Hearing Exams: Medicare Part B covers diagnostic hearing and balance exams if ordered by a doctor to determine if medical treatment is necessary. Beneficiaries pay 20% of the Medicare-approved amount after meeting the Part B deductible.
- Cochlear Implants: Medicare Part B covers cochlear implants only when medically necessary.
- Bone-Anchored Hearing Aids (BAHA): These are covered under Medicare Part B as prosthetic devices when medically necessary.
Because Medicare typically does not cover hearing aid devices, you would be expected to pay for the full cost (including doctor exams and the equipment) out-of-pocket.
Medicare Advantage (Part C) and Hearing Aid Coverage
Medicare Advantage plans are offered by private insurance companies and can provide additional benefits. Medicare Advantage plans include Parts A and B, and may even offer some additional prescription drug support.
While insurance plans vary, typically:
- Hearing Aid Coverage: Medicare Advantage plans offer some level of hearing aid coverage.
- Coverage Limits: In 2021, the average annual limit for hearing aid coverage was $960, with a range from $66 to $4,000.
- Routine Hearing Exams: Most plans include coverage for annual hearing tests.
- Frequency Restrictions: Many plans limit coverage to one set of hearing aids every two or three years.
For more specific information, you would need to contact the insurance provider who is offering the Medicare Advantage plan.
Practical Tips for Managing Hearing Aid Costs
As Original Medicare does not cover access to hearing tests or aids, many seniors find themselves unable to pay for hearing aids out-of-pocket. Between visits to audiologists and otolaryngologists and the specialized equipment, hearing aids cost thousands of dollars.
Here are some tips to help manage the cost of hearing aids:
- Research Hearing Aid Options: Compare different types and technologies. Over-the-counter hearing aids, available since 2022, offer a more affordable option for mild to moderate hearing loss.
- Maximize Insurance Benefits: If you have a Medicare Advantage plan, review your policy details for hearing aid benefits. Some plans cover up to $4,000 annually.
- Explore Discounts and Financing: Many providers offer discounts or payment plans. You may also be able to apply for financing through your doctor.
- Consider Telehealth Options: Some audiologists offer remote consultations and adjustments, potentially reducing costs.
- State-Based Programs: Research state-specific initiatives that could help cover hearing aid costs. If you’re eligible for Health First Colorado (Colorado’s Medicaid program), you may have some hearing aid coverage but, of course, limitations apply.
- Tax Deductions: Hearing aids and batteries are considered medical expenses and may be tax-deductible if you itemize deductions.
Take Action for Better Hearing Health in 2025
Don’t let hearing loss impact your quality of life. Take action today by contacting Senior Insurance Solutions, your licensed Medicare experts. Our experienced agents will navigate the complex world of Medicare for you, explaining your options in clear, simple terms and helping you find the best coverage for your hearing needs. Whether it’s exploring Medicare Advantage plans or connecting you with assistance programs, Senior Insurance Solutions is here to ensure you get the hearing care you deserve.
