Are Hearing Aids Covered by Insurance, Medicaid, or FSAs?

Although the Hearing Loss Association of America (HLAA) reports that 48 million people across the nation experience hearing loss, hearing aids are not often covered by private insurance companies.

Hearing aid insurance coverage

The best way to verify your coverage is to call your health insurance provider directly. It's helpful to confirm your eligibility, the benefit amount available, if it is primary or secondary insurance and if telehealth consultations are covered.

In particular, many federal employees have health benefits that cover hearing aids. To learn more about getting reimbursed through Federal Employees Health Benefits (FEHB), please call us at (855) 903-3342 or visit our FEHB FAQs.

If your plan does cover all or part of your hearing aids, call us and we'll walk you through the reimbursement process — including sending us a recent audiogram (within the last 6 months) from a licensed audiologist and attending a quick video consultation with our Audiology Team prior to shipment. Once you receive your hearing aids, we'll send you the necessary paperwork to submit your claim. For questions or to start the process, call us at (855) 330-5352.

Hearing aids and medicaid

Some Medicare Advantage plans, also known as Medicare Part C plans, may offer some coverage for hearing aids.

You can find our more specific information by visiting Medicare Advantage's website.

You will want to verify with your insurance provider your hearing aid benefits.

Hearing aids and health care flexible spending accounts (FSA)

The good news is that most contributions to Flexible Spending Accounts (FSA) and Health Saving Accounts (HSA) can be applied to hearing aids.

Reimbursements usually require a copy of the receipt, so hold onto your paperwork.

You will want to verify with the company that issued your FSA card that you are eligible to purchase hearing aids with your plan.

Our Care Team can also help you split up credit/debit card and HSA or FSA payments — simply reach out to us.

Other ways to lower the cost of hearing aids

Because of the tremendous impact of hearing loss, there are many local civic organizations that offer financial assistance for hearing aids. State vocational rehabilitation agencies, for example, may offer financial assistance to college-aged people and those concerned about losing their job due to hearing loss. Kiwanis or Lions Club close to you might have funds available for a device. The Hearing Loss Association of America (HLAA) website offers some insight on alternative ways to fund hearing aids.

Military veterans may qualify through the U.S. Department of Veterans Affairs.

Federal employees also receive insurance benefits that often cover hearing aids. See information on FEHB Insurance.

There are now hearing aid companies selling high-quality devices directly to consumers, which can significantly lower costs. Lively, for instance, offers a pair of professionally programmed hearing aids for one payment of $1,195 or $39/month (with no interest financing), significantly less than many other companies charge for a single comparable device. A Lively hearing aid also includes many features that aren't standard with other hearing aids, such as follow-up care with an audiologist as well as a simple and seamless mobile app. This ultimately makes hearing aids more accessible for anyone with hearing loss, but who doesn't have hearing aid insurance.

No matter the cost, treating your hearing loss with a hearing aid is a health decision you should prioritize. At Lively, we're proud to keep costs low, and the quality of our devices and our services high — so that you can be happy with your purchase no matter your insurance situation.