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"easyMedicare made getting the coverage I deserved easy and saved me a great deal of money."

- Joe Theismann

Joe Theismann - NFL MVP and Super Bowl Champion

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Does Medicare cover hearing aids?

Original Medicare (Part A and Part B) coverage can cover you from your head and shoulders to your knees and toes. But that expansive coverage does have a few gaps in some areas, and hearing aids slip right through one of those gaps in coverage. So while Original Medicare does offer some hearing care, you’ll need the expanded coverage of a Medicare Advantage plan (Part C) to get Medicare’s help in securing hearing aids. Take a look at the hearing-related coverage offered by Original Medicare and find out what you need to do to find a Medicare Advantage plan that’ll cover a new set of hearing aids for you.

Original Medicare Hearing Coverage

If you already have Original Medicare, or even a Medicare Advantage plan that doesn’t cover hearing aids, you’re already at a good starting point to find treatment for your hearing needs. Medicare Part B (Outpatient Care) does offer some assistance in determining if you need hearing aids in the first place. Part B insurance is included in Original Medicare, as well as every Medicare Advantage plan – Medicare Advantage (Part C) typically expand on Original Medicare (Part A and Part B) with additional features and plan benefits.

Part B includes diagnostics testing to help beneficiaries determine whether their hearing problem requires hearing aids or some other form of treatment, such as solutions for dislodging wax buildups or treating an ear infection that could be dampening your hearing.

You’ll need your doctor to recommend a hearing and balance examination in order for Medicare to help cover the cost of the test. If approved, you’d only be responsible for 20 percent of the cost of the test and for the associated deductible. There are other variables that could come into play to increase or decrease your expenses for a hearing exam. These might include doctor fees, the type of medical facility that does the tests and other factors.

Finding a Medicare Advantage Plan with Hearing Coverage

Without knowing where or how to look, it can be difficult enough to choose from the many Medicare Advantage plans available from various health insurance companies. Searching for a Medicare Advantage plan that includes all of the coverage you need, including hearing aids, can be even tougher.

However, you can simplify your search and find a plan with most, if not all, of the benefits your circumstances require by using a plan finder tool such as the one offered by easyMedicare.com. Using the plan finder, you can review and filter Medicare Advantage plans from multiple insurance carriers to find the ones that offer you the best coverage available to you.

Here’s how easyMedicare.com’s plan finder can help you secure a Medicare Advantage plan that includes coverage for hearing aids:

  • Search plans available – browse various Part C plans (Medicare Advantage) in your ZIP code.
  • Filter plans – the plan finder lets you filter your search by carrier, cost and more so that you don’t have to review plans that aren’t relevant to your needs.
  • Compare plans – put prospective plans side-by-side to see how your top plan choices compare to one another. By doing so, you can confidently choose the best available plan for your needs and budget alike.
  • Enroll in Medicare plans online – when an enrollment window is open, you can enroll in a new plan or make changes to your current coverage.

Despite the availability of self-service tools, you don’t have to go it alone in your search for help paying for hearing aids. Our licensed Medicare agents are available to help guide you in your search for a plan that covers your needs.

Call 1-800-991-4407 / TTY 711 (Monday through Friday, 8 a.m. to 9 p.m. ET) to start a no-cost consultation with one of our agents today. You can also schedule a callback from an agent or select the “Live Chat” option to start a conversation via text chat.

Narrowing Down the Right Medicare Advantage Plans with Hearing Coverage

Once you’ve found Medicare Advantage plans that include hearing benefits, you might notice that there’s still a lot of variation between the costs of your options. To find the plan that offers all the hearing coverage you need, you’ll likely want to scrutinize your options by cost.

Consider these options when comparing Medicare Advantage plans to avoid choosing one that busts your budget, requires too much out of pocket or includes coverage you probably don’t need:

Premiums – this is the monthly amount you’ll have to pay to maintain coverage. You’ll still have to pay this amount even if you’re asked to pay a copay or coinsurance. Keep in mind that you could qualify for help paying for your Medicare premiums through one of the Medicare Savings Programs or through your state’s Medicaid program.

Copays and coinsurance – check the prices of these cost-sharing mechanisms in prospective plans. This is how much you’ll have to pay if you use a certain benefit, such as receiving a hearing exam or having hearing aids adjusted.

Deductibles and out-of-pocket maximum - the former is the amount you’ll have to pay before your insurance coverage kicks in, while the latter is the mark you’ll have to hit before your insurance covers the cost of all included services.

Coverage limitations – sometimes, it isn’t enough to just have coverage. You need coverage that you can access when you need it. Coverage limitations may limit the frequency at which you can use certain benefits. An example of a coverage limitation is a plan benefit that limits hearing exams to once a year.

Which Enrollment Periods Allow You to Join a Part C Plan

As with most health insurance plans, you can only enroll in a Medicare Advantage (Part C) plan during certain times of the year. Here’s a quick rundown of the enrollment windows you could use to join a Medicare Advantage plan or to change your existing Part C coverage:

Annual Election Period – This enrollment period runs from Oct. 15 to Dec. 7 every year. During the Annual Election Period, you enroll in a Medicare Advantage plan, switch between Medicare Advantage plans or scale back your coverage to Original Medicare (Part A and Part B). You’re allowed to make as many changes as you’d like, up until the cutoff date. Your plan changes will take effect at the start of the next year, on Jan. 1.

Medicare Advantage Open Enrollment Period – This enrollment period from Jan. 1 to March 31 annually. You’re allowed to make just one change to your coverage during the Medicare Advantage Open Enrollment Period. You can switch between Medicare Advantage plans or revert back to Original Medicare, with the option to add on a Part D plan (Prescription Drug Coverage) to complement your Part A and Part B coverage.

Keep reading to discover two more important Medicare enrollment periods, as well as additional financial resources for your hearing coverage.