No, Original Medicare (Part A and Part B) does not cover hearing aids. However, some Medicare Advantage plans (Medicare Part C) may cover hearing aids and other routine hearing care.
Most Part C plans also offer other benefits that are not covered by Original Medicare, such as prescription drug coverage.
Medicare Advantage plans are sold by private insurance companies and offer the same benefits covered by Medicare Part A and Part B under one plan.
Medicare Part B may cover diagnostic hearing exams if they are considered medically necessary by your primary care physician.
Some Medicare Advantage plans may offer additional benefits, such as coverage for hearing. These hearing benefits could potentially include, but aren’t limited to:
If you need coverage for hearing exams or hearing aids, you can consider enrolling in a Medicare Advantage plan that offers hearing coverage. Not all plans are available in all locations.
Some Medicare Advantage plans require a monthly premium, while and some plans may be available in your area that offer $0 premiums.
Deductibles, cost-sharing and the amount of hearing coverage offered will vary by plan.
The network of participating hearing doctors and pharmacies can also differ by plan and location.
Medicare Advantage plans that provide hearing aid benefits can differ in costs from one plan to the next.
According to Consumer Affairs in 2020, the cost of hearing aids can range from $1,000 to $4,000 per ear, with premium hearing aids costing as much as $6,000 per ear.
How much you pay for hearing aids may depend on the type of hearing aids you buy and your Medicare Advantage plan's hearing aid coverage.
You can learn more about hearing aids by reviewing this guide to the Best Hearing Aids of 2020, from The SeniorList.
Medicare Supplement Insurance plans, also called Medigap, do not provide coverage for hearing aids. In fact, these plans don’t provide coverage for any health care services or items at all.
Instead, Medigap plans provide coverage for out-of-pocket costs associated with Original Medicare, such as Part A and Part B deductibles, coinsurance and copayments.
Learn more about Medicare Supplement Insurance plans.
While Original Medicare doesn't cover hearing aids in 2020, some Medicare Advantage plan carriers offer plans that provide coverage for hearing aids.
Some popular Medicare Advantage plan companies include:
If you have Medicare and need help paying for a hearing aid, there are some programs that might be able to offer some assistance.
Cochlear implants are permanent electronic devices that help those with severe hearing loss.
Unlike hearing aids which amplify sound, cochlear implants help provide sound signals to the brain by replacing the function of the damaged inner ear. Cochlear implants are surgically placed behind the ear.
Medicare Part B sometimes covers cochlear implants if they are considered medically necessary by a doctor and if you meet certain qualifications.
Hearing loss is one of the most common health conditions affecting older adults.
In fact, it’s estimated that as many as one out of every three people ages 65 to 74 has some form of hearing loss, and that number goes up to nearly 50 percent of people above the age of 75.2
Hearing loss can greatly affect the quality of life for an older adult.
Hearing loss has been linked to stress, depression, loneliness and low self-esteem due to the difficulty of communicating and the embarrassment, insecurity and isolation that can result.
Hearing loss can also cause relationships with spouses, children, grandchildren and friends to suffer.
Some Medicare Advantage plans that offer coverage for hearing aids may be available in your area.
Some Medicare Advantage plans may offer additional benefits such as:
To find out more about your options and to compare plans that are available where you live, call to speak with licensed insurance today.
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