Struggling to hear your loved ones? Feeling left out in conversations?
Hearing loss can be incredibly isolating.
If you or someone close to you has hearing loss, you might be wondering: does Medicare help with hearing aids? The quick answer is typically no.
But don’t worry—there are options that can make hearing aids more affordable.
In this guide, we’ll walk you through what Medicare does cover, how to find alternative solutions, and practical steps to take control of your hearing health.
Medicare’s Current Coverage for Hearing Aids
When it comes to hearing aids, Original Medicare (Medicare Parts A and B) does not cover them.
Medicare Part B generally covers hearing exams if your doctor orders them to diagnose a medical condition. Still, it won’t pay for the hearing aids or the fittings needed to adjust them.
However, Medicare Advantage (Part C) plans, which private insurance companies offer, may provide hearing aid coverage.
The coverage varies widely depending on the plan, so if you’re enrolled in or considering a Medicare Advantage plan, it’s essential to compare options and confirm what’s included.
Remember, if you need help, feel free to call or text PlanFit at +1 877-360-6565 (TTY: 771), and a licensed insurance agent will be happy to assist you at no cost to you.
The Cost of Hearing Aids Without Medicare
Hearing aids can be expensive without coverage.
On average, a pair of hearing aids can cost between $1,000 and $8,000, depending on the technology and features.
That’s just the initial cost—there are also follow-up visits, batteries, and maintenance to consider. These costs can be a significant financial burden for many older people, especially on a fixed income.
To make matters worse, untreated hearing loss can lead to isolation, frustration, and even cognitive decline. These added stressors make it even more essential to find a solution.
Making Hearing Aids More Affordable
If you’re concerned about the cost, here are some ways to make hearing aids more affordable, even without direct Medicare coverage:
- Medicare Advantage Plans: Some plans offer hearing aid coverage as part of their benefits package. Be sure to compare plans during the Open Enrollment Period, paying close attention to what each plan offers in terms of hearing benefits.
- Supplemental Insurance: While Medicare Supplement (Medigap) plans don’t typically cover hearing aids, they can sometimes help cover some of the out-of-pocket costs for exams and care related to hearing.
- Financial Assistance Programs: There are certain non-profit organizations and government programs that often help people get access to hearing aids at reduced costs.
For example, the Veterans Affairs (VA) covers hearing aids for eligible veterans, and Medicaid may cover hearing aids in some states.
- Over-the-counter hearing Aids: Recently, over-the-counter (OTC) hearing aids have become available, allowing people to purchase hearing aids without a prescription at a lower cost.
While they may not offer the same features as prescription devices, they are a more affordable alternative for mild to moderate hearing loss.
Frequently Asked Questions About Medicare and Hearing Aids
Does Medicare Part B cover hearing exams?
Yes, Medicare Part B covers hearing exams if they are ordered by a doctor to diagnose a medical condition. However, it won’t cover the cost of hearing aids or fittings.
How can I get my hearing aids covered?
Many people who want coverage for hearing aids enroll in Medicare Advantage plans that include hearing benefits that fit their needs. You can compare plans during an enrollment period and switch to one that fits your needs.
Are hearing aids covered by Medicaid?
In some states, Medicaid might cover hearing aids. Coverage and eligibility vary by state, so it’s important to check your local Medicaid guidelines for details.
Debunking Myths About Hearing Aids and Medicare
Myth #1: “Medicare never covers anything related to hearing.”
While Original Medicare doesn’t cover hearing aids, it does cover diagnostic exams if your doctor orders them. Plus, many Medicare Advantage plans offer hearing aid coverage.
Myth #2: “Hearing aids are unaffordable.”
There are several ways to reduce the cost of hearing aids, including exploring Medicare Advantage plans, using financial assistance programs, or opting for over-the-counter hearing aids for mild hearing loss.
Myth #3: “You’re on your own if you can’t afford hearing aids.”
Many community organizations, non-profits, and government programs offer support for those needing hearing aids but can’t afford them. Don’t hesitate to explore these options.
Planning for Long-Term Hearing Health
Hearing loss often progresses over time, so it’s important to think long-term when managing your hearing health. Here’s what you can do to stay proactive:
- Preventative Care: Protect your ears from loud noises, and schedule regular hearing check-ups to monitor changes.
- Stay Informed: Medicare’s policies and coverage options are subject to change. Staying updated on legislative changes, such as the recent introduction of over-the-counter hearing aids, can help you plan for more affordable options.
Next Steps: What You Can Do Today
If you’re ready to take action, here’s a simple plan:
- Call a licensed insurance agent to ask about hearing coverage, especially if you’re considering Medicare Advantage plans. You can also call or text us, and a licensed insurance agent will gladly assist you at no cost to you: +1 877-360-6565 (TTY: 771).
- Compare plans during open enrollment to find one that offers hearing benefits.
- Look into financial assistance programs that can help you afford hearing aids.
- Schedule a hearing exam with your doctor if you haven’t already, and ask about your options.
By taking these steps, you can better manage your hearing health and find solutions that fit your budget and healthcare needs.
Conclusion
Although Medicare doesn’t cover hearing aids directly, there are several ways to reduce costs and find the right solution for you or your loved ones.
Whether it’s through a Medicare Advantage plan, financial assistance programs, or the recent availability of over-the-counter hearing aids, there are options available to ensure you stay connected and improve your quality of life.
If you have any questions or need more information, feel free to leave a comment below—we’re here to help.