Medicare covers many types of medical care, but its hearing services are limited. Fortunately, there are some insurance options that you can consider so that you aren’t responsible for the full costs.
Will Medicare Pay for Hearing Aids?
Original Medicare (Medicare Part A and Part B) covers most of your inpatient and outpatient medical needs, but Original Medicare doesn’t cover hearing aids. If you only have Original Medicare, you will pay 100 percent for all hearing aids.
What About Medicare Hearing Aid Coverage Through Advantage Plans?
Some Medicare Advantage Plans may provide hearing aid coverage. Not all plans offer this, so you’ll need to take a look at the details of your Medicare Advantage Plan to see if hearing screening, testing, and hearing aid services are available.
If the plan offers coverage for these services, you may have to receive them from specific providers. Be sure to verify that your coverage applies to any provider before you visit their location for a hearing screening. Also, learn about any deductibles or the percentage of the bill you may be responsible for. All of this can be verified before you actually have the test done.
Will My Medicare Supplement Cover Hearing Aids?
Medicare Supplement plans only offer coverage if Medicare pays first. However, while the plan itself may not offer any benefits, the carrier that you have your plan with may offer discounts or other assistance as a perk. To learn what perks your carrier offers, you can contact them directly.
Does Medicare Cover Hearing Tests?
Yes, Medicare Part B provides coverage for some hearing tests, such as diagnostic hearing and balance exams. Your primary care provider should be your first step in receiving initial hearing screenings. They’ll need to state that you need to see additional treatment or more specialized care as a medical necessity.
If your doctor recommends further testing, your Part B coverage will pay for some of the related costs. You’ll pay 20 percent of the Medicare-approved amount for these services from an approved doctor. Your Part B deductible applies to this cost. If you have a Medicare Supplement plan, it’ll pay its portion.
Does My State Offer Hearing Aid Coverage?
Some states offer hearing aid coverage through Medicaid programs, but hearing aid coverage varies by state. Medicaid is available to Medicare beneficiaries who meet the low-income threshold. If you think you may qualify, you should contact Medicaid directly.
Can I Get Insurance That Pays for Hearing Aids?
Yes, you can get standalone insurance that helps cover the costs of hearing aids and other related services. You can use many of these plans, whether you have Original Medicare alone, a Medicare Supplement plan, or a Medicare Advantage plan. The details of each plan may vary, so be sure to check for information such as networks and deductibles or copays.
If you think that you may need insurance in the future, you should consider your options now, as many plans have waiting periods that you must meet before they’ll cover more expensive items like hearing aids. Ultimately, hearing insurance is important. It can help you afford services that might otherwise be too expensive to pay for out-of-pocket.
Nothing on this website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.