Hearing loss is a common challenge as individuals age. According to the National Institute on Deafness and Other Communication Disorders, nearly one in three people aged 65 to 74 experience some degree of hearing loss [1]. Yet despite its impact on communication, memory, and quality of life, hearing aid coverage under Medicare remains limited—leading to confusion and out-of-pocket expenses for many. This guide breaks down what Medicare covers (and doesn’t) when it comes to hearing aids and related services in 2025. It also highlights available programs, pricing trends, and important considerations to help older adults make informed decisions. With more affordable options and expanded retailer access, there are now more ways than ever to plan for hearing support—even with limited insurance coverage.
What Medicare Covers for Hearing Services in 2025
Original Medicare (Parts A & B)
Traditional Medicare does not cover hearing aids or routine hearing exams. However, it does cover:
- Hearing exams ordered by a physician to diagnose or treat a medical condition (e.g., sudden hearing loss)
- Balance-related tests if ordered as part of a neurological evaluation
- Services delivered during inpatient hospitalization for related diagnoses
“There’s often a misunderstanding that Medicare covers hearing aids, but that’s not the case under Original Medicare,” says Tricia Neuman, senior VP at KFF. “Coverage remains limited unless someone is enrolled in a Medicare Advantage plan.” [2]
What’s Not Covered Under Original Medicare
Not Covered Under Parts A & BNotesHearing aids (all models)No coverage for devices or fitting feesRoutine hearing examsOnly covered when medically necessaryBatteries or accessoriesNot includedOver-the-counter hearing aidsNot reimbursable even if purchased for medical need
While hearing evaluations related to medical diagnoses may be covered, the devices themselves—and the associated testing or adjustments—are excluded.
Medicare Advantage (Part C) Plans and Hearing Aid Benefits
Many Medicare Advantage (MA) plans offer additional benefits, including some coverage for hearing aids. Coverage varies by provider and region but may include:
- Partial reimbursement for hearing aid purchase (e.g., $500–$2,000 per ear)
- Annual or biennial hearing exams
- Preferred provider networks with discounted devices
- Access to prescription and over-the-counter (OTC) hearing aids
Some MA plans partner with national retailers like HearUSA, TruHearing, or NationsHearing to offer hearing services at reduced rates. Enrollees should compare plan benefits during Medicare Open Enrollment (Oct 15–Dec 7).
“Medicare Advantage plans have stepped in where traditional Medicare hasn’t,” notes Karen Altman, a Medicare specialist in Florida. “But it’s important to check for provider restrictions, device limits, and coverage caps.” [3]
Average Cost of Hearing Aids in 2025
While hearing aids are becoming more accessible, the cost remains significant for many. Here are average 2025 price estimates:
Type of Hearing AidAverage Cost (Per Ear)Prescription (clinic-fitted)$2,000 – $3,500Over-the-counter (OTC) models$300 – $1,200Rechargeable hearing aids$2,000+
Costs include hearing tests, fittings, and follow-up adjustments. According to Hearing Industries Association (HIA), about 80% of users pay out-of-pocket unless they’re enrolled in Medicare Advantage or VA benefits [4].
Recent Changes: OTC Hearing Aids in 2025
In response to rising demand and affordability concerns, the FDA approved over-the-counter hearing aids for adults with mild to moderate hearing loss. These devices became widely available at retail stores and online starting in 2023 and have expanded in 2025.
OTC hearing aids can now be purchased directly through:
- Best Buy
- Walgreens
- Walmart
- Online retailers like Jabra, Lexie, and Bose Health
“OTC hearing aids are game changers for accessibility,” says Dr. Thomas Powers, audiology consultant. “But they’re not for everyone. Those with more complex hearing loss still need professional evaluation.” [5]
Mistakes to Avoid When Planning Hearing Aid Purchases
- Assuming All Medicare Plans Cover Hearing Aids
- Most do not unless part of a Medicare Advantage plan—check the Summary of Benefits.
- Overlooking Free Hearing Screenings
- Many audiologists offer no-cost screenings that can help determine if OTC aids are appropriate.
- Skipping Price Comparisons
- Clinics often vary in markup for identical devices. It’s worth comparing local retailers vs. online sellers.
- Waiting Too Long
- Hearing loss can contribute to isolation, cognitive decline, and accidents. Delaying care may worsen health outcomes.
Hearing loss affects millions of older Americans, yet the cost of treatment remains a barrier—largely due to Medicare’s limited coverage. While Original Medicare does not pay for hearing aids, Medicare Advantage plans, over-the-counter devices, and hearing service partnerships offer new paths forward. With rising awareness, expanded access, and more flexible devices in 2025, careful planning and comparison shopping can help individuals find a hearing solution that meets both their needs and their budget.
FAQs About Medicare and Hearing Aids
Q: Does Medicare cover hearing aids in 2025?
Original Medicare (Parts A & B) does not cover hearing aids or routine exams. Some Medicare Advantage plans may offer partial coverage.
Q: Can over-the-counter hearing aids be reimbursed?
No. OTC aids are not covered under any Medicare parts, though some Advantage plans may offer discounts.
Q: What’s the best time to enroll in a plan that includes hearing aid benefits?
During the Medicare Open Enrollment period (October 15 – December 7), beneficiaries can switch to a plan with hearing coverage.
Q: Are hearing exams covered?
Yes—if they’re part of a diagnostic evaluation ordered by a physician. Routine screenings for new hearing aids are not covered.
Q: Are there income-based programs to help cover hearing aids?
Yes. Veterans, Medicaid recipients, and some state programs offer assistance. Nonprofits like Hearing Aid Project also provide support.
Helpful Resources
- Medicare Coverage – Hearing Exams
- https://www.medicare.gov/coverage/hearing-exams
- FDA OTC Hearing Aids Overview
- https://www.fda.gov/medical-devices/hearing-aids/over-counter-hearing-aids
- TruHearing Medicare Advantage Services
- https://www.truhearing.com
- National Hearing Aid Project
- https://hearingaiddonations.org
- KFF Medicare and Hearing Coverage Report
- https://www.kff.org
Citations
[1] National Institute on Deafness – Hearing Loss Statistics, 2024
[2] KFF Medicare Hearing Coverage Brief, 2024
[3] Medicare Planning Seminar – Jacksonville FL, Jan 2025
[4] Hearing Industries Association – 2024 Annual Report
[5] Dr. Thomas Powers – Audiology Now Conference Transcript, 2024
Disclaimer
This article is for informational purposes only and does not provide medical, insurance, or legal advice. Medicare coverage details vary by provider, region, and plan. Always consult with a licensed insurance agent or hearing care professional for personalized assistance.
