Hearing Aid Cost With Insurance

“Original Medicare doesn’t cover hearing aids or exams for fitting hearing aids.”Medicare.gov, Hearing & balance exams, retrieved 2026-09-22

Medicare.gov's hearing aid page is shorter still. Under costs it says: “You pay all costs.”

Part B does pay for a diagnostic hearing exam when a doctor or other provider orders it to find out whether you need medical treatment. After the Part B deductible, you pay 20% of the Medicare-approved amount. You can also see an audiologist once every 12 months without an order, but only for hearing loss that developed over time or for services tied to surgically implanted hearing devices.

Medigap does not fill the gap. Medicare.gov lists hearing aids among the things Medigap plans generally don't cover.

Medicare.gov says some Medicare Advantage plans offer extra benefits that Original Medicare doesn't cover, and names hearing as one. The benefit is set by each plan, so no article can tell you what yours pays. The plan's Evidence of Coverage can.

For anyone under 21, Medicaid's Early and Periodic Screening, Diagnostic and Treatment benefit requires coverage of necessary treatment. MACPAC says that includes hearing aids. Medicaid.gov says the same benefit covers hearing aids and replacement batteries even where a state does not cover them for adults.

For adults it is a state choice. MACPAC lists speech, hearing and language disorder services among the optional benefits a state may choose to cover. The Hearing Loss Association of America puts it plainly: Medicaid may offer some hearing aid coverage for adults, and guidelines vary by state.

The quickest answer comes from the state Medicaid office or the Medicaid managed care plan. Ask about hearing aids by name, and ask whether a hearing test must come first. Our guide to what Medicaid covers for medical alert systems shows how the same state-by-state rules work for another device.

“If hearing aids are recommended and fit, the hearing aids, repairs, and future batteries will all be at no charge to you, as long as you maintain VA eligibility for care.”VA Prosthetic & Sensory Aids Service, Hearing Aids, retrieved 2026-09-22

1. Register for VA health care at the VA medical center of your choice. The VA lists the DD214 among the usual documents, and Form 10-10EZ is the application.
2. Book an evaluation at the center's Audiology and Speech Pathology Clinic.
3. A VA audiologist decides whether hearing aids or other hearing devices are needed.

IRS Publication 502 says you can include the cost of a hearing aid, and the batteries, repairs and maintenance needed to operate it, in medical expenses. IRS Publication 969 says HSA money spent on qualified medical expenses isn't taxed, and health FSA reimbursements for them may be tax free.

Some sellers say so at checkout. Costco lists its hearing aids as FSA and HSA eligible. For the tax rules that apply to one household, check with a tax professional.