Does Medicare cover hearing aids? That’s a question we are frequently asked by seniors and their loved ones. The answer is not definitive; it depends on the state in which you live, the type of Medicare program you have, and any supplemental health insurance.
If You’re Hearing Impaired and on Medicare, Financial Aid Can Help
Only three states at this time – Arkansas, Rhode Island, and New Hampshire – mandate full non-Medicare insurance coverage for hearing aids for adults. Hearing aids for Texas Medicare residents are not covered, but there are other hearing-related services open to you that can save you money. Some are even free. Also, laws are always changing, so more financial help may become available at any time.
Medicare Part B (that’s the part of Medicare that covers services and supplies needed to diagnose or treat your condition and services to prevent illness) covers the cost of exams to diagnose your hearing and balance problems – just not the actual hearing exams or exams for fitting hearing aids. Your doctor or other health care provider can order the tests to see if you need medical treatment. Some of these diagnostic tests may have deductibles or co-pays, depending on the type of Medicare and/or other insurance you have.
Supplemental Medicare programs, which are separate individual policies through private companies, may pick up the tab for hearing aids, give you an allowance, or have negotiated discounts with contracted providers to help defray some of the cost. So check with your supplemental insurance provider, if you have one, to see if you qualify for any benefits.