Does Medicare Part B Cover Hearing Aids?

Medicare is a federal health insurance program that provides coverage for millions of Americans, primarily those aged 65 or older, and some younger individuals with certain disabilities. Understanding the specifics of this program can be complex. This article clarifies Medicare Part B’s role regarding coverage for hearing aids.

Medicare Part B and Hearing Aids

Medicare Part B does not cover hearing aids. This policy extends to their purchase, fitting, and maintenance. Hearing aids are considered elective items or durable medical equipment not directly falling under Part B’s medical services.

Routine hearing examinations are also not covered by Medicare Part B. These are general screenings performed to assess hearing ability without a specific medical diagnosis. Beneficiaries are responsible for the full cost of hearing aids and routine hearing check-ups.

Hearing Services Covered by Medicare Part B

While Medicare Part B does not cover hearing aids or routine exams, it covers certain medically necessary hearing-related services. Diagnostic hearing and balance exams are covered if a physician orders them to determine if medical treatment is needed for a specific condition. This includes situations where hearing loss is a symptom of an underlying medical problem, such as an ear infection, injury, or disease like vertigo.

Part B also covers medical treatments for ear diseases or injuries following a diagnosis. For example, ear wax removal is covered if the buildup causes symptoms like pain, hearing loss, or infection, and is performed by a medical professional. Surgically implanted devices, such as cochlear implants, are covered under Part B as prosthetic devices if medically necessary. For these services, beneficiaries pay 20% of the Medicare-approved amount after meeting the annual Part B deductible, which is $257 in 2025.

Exploring Other Coverage for Hearing Aids

Given the limitations of Original Medicare, other avenues exist for individuals seeking hearing aid coverage. Medicare Advantage Plans, also known as Medicare Part C, are a common alternative. These plans, offered by private companies approved by Medicare, often include supplemental benefits not covered by Original Medicare, such as hearing aid coverage. The scope of hearing aid coverage, including frequency limits and specific models, can vary significantly among different Medicare Advantage plans.

Other programs and insurance types may offer assistance:

• Medicaid, a joint federal and state program for low-income individuals, may cover hearing aids depending on state-specific rules and eligibility.
• Veterans who qualify for Veterans Affairs (VA) health benefits may receive comprehensive hearing care, including hearing aids, through the VA system.
• Private health insurance plans, whether employer-sponsored or individually purchased, can also offer varying levels of hearing aid benefits.
• Community programs, charitable organizations, and manufacturer discount programs can provide financial assistance or access to reduced-cost hearing aids for eligible individuals.