Does Medicare Cover Hearing Aids?
Medicare does not cover hearing aids or routine hearing exams.
However, Medicare will help pay for hearing and balance exams if they are deemed medically necessary by your health care provider. Some permanent forms of hearing devices are also covered by Medicare.
A Medicare Supplement Insurance plan can help cover your out-of-pocket Medicare costs if you get a permanent hearing device such as a cochlear implant.
Does Medicare Pay for Hearing Care?
Medicare doesn't cover routine hearing care, but Medicare Part B can help cover certain types of hearing care:
- Medicare Part B includes coverage for diagnostic hearing and balance exams only if your doctor or a health care provider approves them and deems them necessary to diagnose or treat a medical condition.
- Medicare will not cover routine hearing exams, the cost of hearing aids or exams to fit hearing aids.
- You must pay 100 percent of the costs for exams and hearing aids out-of-pocket.
- If you are recommended for a Medicare-approved hearing or balance exam, you typically will pay up to 20 percent of the Medicare-approved amount of the doctor's exam, as well as the Medicare Part B deductible.
Other diagnostic tools like X-rays and supplies may not be covered under Original Medicare (Part A and Part B).
Are Cochlear Implants Covered by Medicare?
The cost of cochlear implants and other permanent auditory implants is partly covered by Medicare Part B.
If your doctor decides that you need a cochlear implant, you will most likely be responsible for paying 20% of the Medicare-approved amount for the implant as well as the Medicare Part B deductible.
Medigap Plans Can Help Cover Your Out-of-Pocket Medicare Costs
When you need help paying for some of the out-of-pocket costs associated with Medicare — like deductibles, coinsurance and copayments — you can explore enrolling in a Medicare Supplement Insurance (Medigap).
Some Medigap plans can cover the 20% Medicare Part B coinsurance and your Part B deductible if you need a diagnostic hearing and balance exam or cochlear implant.
While Medigap won't pay for hearing aids themselves, it can help you save money on your overall health care. That can go a long way toward saving up for hearing aids.
Learn more about Medicare coverage of common procedures