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Insurance benefits can be confusing, but we are here to help. Please fill in this form so we can call you to discuss your coverage.


Insurance is complicated in the United States. That's especially true if you have a mixture of government and private-pay insurance. While traditional Medicare does not cover hearing aids, you may have other options. Let us help you find out what your insurance benefits cover. Call 888-379-7214 to get started.

"What are my benefits?"

That is often the first question we get. (And it's an important one!) The good news is that the professionals at HearingLife can help you find out if your health insurance covers hearing aids or hearing-related services when you make an appointment.

Even if you have Medicare, you may have a replacement plan or other insurance that includes hearing healthcare coverage.


What is Medicare?

Medicare is a federal insurance program that covers seniors, age 65 and older. It also covers younger individuals who have certain disabilities, as well as people with End-Stage Renal Disease (ESRD). 

Recent data shows that one in three people who have Medicare also have a Medicare Advantage Plan.¹ 

What are the types of Medicare?

Medicare has several parts. Medicare Part A covers hospital stays, skilled nursing facilities, hospice and limited home healthcare. Medicare Part B includes doctor office visits, some medical supplies and certain preventative services. Insurance companies offer Medicare Part D plans that can be added to traditional Medicare for prescription drug coverage.

  • medicare-part-a-hospital-insurance

    Part A

    Hospital Insurance

  • medicare-part-b-medical-insurance

    Part B

    Medical Insurance

  • medicare-part-d-prescription-drug-coverage

    Part D

    Prescription Drug Coverage

Get to know your options!

Private insurance companies may offer Medicare-approved programs called Medicare Part C, or Medicare Advantage plans (MA Plans). Sometimes known as Medicare replacement plans, Medicare pays certain approved companies to cover Medicare benefits. These plans provide Medicare Part A and Medicare Part B coverage and add to it additional coverage. Medicare Advantage Plans are only available to people who have Medicare Parts A and B. 

Individuals can choose from various types of Medicare Advantage Plans:

  • Private Fee-for-Service (PFFS) Plans — As with Medicare, you can see any doctor or healthcare provider if they accept the plan. Individual plans decide how much you pay when you get care.
  • Preferred Provider Organization (PPO) plans — This insurance generally offers in-network and out-of-network care options. 
  • Health Maintenance Organizations (HMOs) — Generally limited to providers who are in-network only, you may need a referral from a primary care provider for hearing-related and other coverage. You may add out-of-network care by using an HMO Point-of-Service (HMOPOS) plan.
  • Special Needs Plans (SNPs) — Specifically for people with special needs, these plans often are designed for people who carry both Medicare and Medicaid, live in a nursing facility or have serious/chronic medical conditions. 
  • High-deductible, Medical Savings Account Plans (MSAs) — These plans combine a high-deductible healthcare plan with a special medical-related bank account. Generally for these plans, Medicare will deposit money into an MSA account from which you use the funds to cover healthcare-related expenses. 

Medicare Advantage Plan coverage varies widely. Even within the same company, people may have different coverage. Sometimes this covers hearing-related visits, and some MA plans include hearing aids (or a portion of the cost of hearing aids).

Coverage varies widely, and your policy may cover hearing aids completely, include a portion of the cost of hearing aids, or only cover up to a certain dollar amount.


Unfortunately, this isn’t a straightforward answer. 

Coverage varies widely, even within the same insurance company. Therefore, when choosing plans, you may want to select one that includes hearing-related coverage. 

If you already have a plan in place, HearingLife can check with your insurance on your behalf to see what services are covered.


Medigap and hearing aids

Another additional supplement for Medicare Parts A and B recipients are Medigap policies. Each state requires insurance companies that offer Medigap coverage to follow the same standardized, basic benefits, no matter which insurance company sells them. Individuals may elect to add additional benefits to meet specific needs. In other words, you may need to buy separate coverage for supplemental coverage that includes hearing aids and hearing tests.

Please note that Medigap insurance is not for individuals who have a separate Medicare Advantage Plan.

Veterans and hearing loss

Veterans take note: your VA benefits may cover hearing aids

Large numbers of veterans experience hearing loss, tinnitus, auditory processing disorder and other hearing-related issues due to noise exposure. Many military jobs expose soldiers to loud environments, such as aircraft carriers, explosions (both in the field and in training) and shelling. Even a single exposure to a very loud incident can impact your hearing.

If you experience hearing loss or tinnitus that is linked to military service, you may be eligible for federally funded hearing aid benefits. 

Veterans and hearing loss



For 2020 coverage, open enrollment is between October 15, 2019 and December 7, 2019. During this time, you can add or remove Medicare Part D and Medicare Part C programs. 

In 2019, a new Medicare Advantage Open Enrollment Period runs from January 1 – March 31 every year. This allows you to enroll in a different Medicare Advantage Plan or leave your current plan. If you are considering purchasing hearing aids in the upcoming year, you may want to choose a plan that covers hearing aids.

Medicaid enrollees may be pleased to know that many states, though not all, do cover hearing aids. In some cases, coverage is restricted either to children, cost or how often you can purchase hearing aids. Many state programs cover the cost of hearing aids for children. 

Although coverage often varies by state – and even by region – HearingLife accepts many insurance plans, including some Medicare Advantage Plans. And we work with you to find out what benefits apply to your needs. We accept hearing aid insurance from many national companies. Please note that hearing aid coverage may vary by state. Select insurance companies include:

  • United Healthcare
  • Blue Cross Blue Shield (varies by state, and Federal BCBS)
  • Anthem
  • Aetna
  • Humana
  • Other insurance companies

  • Illinois
  • Iowa
  • New York
  • Rhode Island
  • Texas
  • Wisconsin

Many – although not all – of our offices accept Medicaid for hearing aids and hearing health-related appointments. 

Policies and plans vary, and our patient care coordinators and other associates are happy to confirm what your benefits include. 

Some of our locations accept hearing aid insurance benefits from TruHearing®. TruHearing has various models, including:

  • TruHearing® Choice Plan – many of our offices accept their benefits
  • TruHearing® Select Plan – offers more targeted coverage

Call our hotline to get answers now! 888-379-7214

HearingLife is pleased to partner with Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs), and to offer financing through CareCredit®. You can use these accounts to cover hearing aids for yourself, your spouse and dependents. This may include your parents, if you claim them as dependents on your income tax.

Did you know that hearing aids may be tax-deductible? 

Are you wondering if Medicare or your insurance covers hearing aids?

Call our special insurance hotline, 888-379-7214 and get answers now.

Do you have private or company-sponsored (non-Federal) insurance? We have information for you.

Hearing aid insurance

Note: Medicare's website has a host of information. Look up Medicare by state to find information on Medicare, Medicare replacement plans and other resources for seniors in your region.

To learn more about hearing loss, we invite you to make a no-obligation appointment today.

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1Gretchen Jacobson, et al., "Medicare Advantage 2017 Spotlight: Enrollment Market Update." Henry J. Kaiser Family Foundation.  Accessed November 21, 2018.

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