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Hearing Aid Insurance

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Does Insurance Cover Hearing Aids?

We often get asked this question, which doesn’t always have a short yes or no answer. Every insurance company is different, and so are the hearing aid insurance plans they offer.

At Hearing Group, we have found several instances where insurance companies that have never provided hearing aid coverage before now offer some kind of hearing aid assistance. So, even if you have been told there is no hearing aid benefit in years past, it may be a good idea to look into hearing aid insurance coverage again.

The most accurate way to determine your hearing aid insurance coverage is to call and confirm directly with your insurance company. Here at Hearing Group, we are so determined to find any insurance coverage that might be available to you that we even call your insurance company. While your hearing test is being conducted, our team will contact your insurance company directly and find out your hearing aid insurance coverage if you have one available.

While you and your hearing aid specialist determine which hearing aid brand is best for you, you will know how much financial assistance you have to work with! It’s that simple.

Hearing Aid Insurance Plans We Accept

      • Blue Cross Blue Shield Federal and most other plans
      • GEHA
      • Aetna
      • Cigna
      • United Healthcare
      • Humana
      • Truhearing
      • Epic
      • Nations Hearing
      • Farm Bureau Members
      • Great Hearing Benefits
      • and many more.
Frequently Used Hearing Aid Insurance Terms

Deductible — A deductible is an amount your insurance company requires you to pay before they will step in and help. Even after the deductible is paid in full, your insurance company has a set percentage that they will pay for you, and then you are responsible for paying the remaining amount.

Coinsurance — This term refers to the remaining amount of money that you are responsible for paying (after your insurance company has covered their percentage). For example, if your insurance company pays 70% after your deductible is met, then your coinsurance is the remaining 30%.

Copay or Copayment — The copay is a set amount that you are required to pay for specific services such as a visit with your physician or a prescription.

Curious about Insurance Coverage for Your Hearing Aids?

Watch our informative video to find out more about hearing aid insurance coverage.

Blue Cross Blue Shield and GEHA Insurance

At Hearing Group, we frequently work with two insurance companies, BCBS Federal and GEHA. Each of these has a $2,500 hearing aid benefit that can be used every five years, and there is no restriction on the brand or style of hearing aid with this benefit.

So if you have been researching Blue Cross Blue Shield hearing aid insurance coverage or GEHA hearing aid insurance coverage in Kansas and Oklahoma, look no further. If you have either BCBS Federal or a GEHA insurance plan, get in touch with Hearing Group. We can get you into a pair of hearing aids, potentially at no cost to you.


Does Medicare cover hearing aids? Original Medicare alone does not have a hearing aid benefit. However, if any kind of Medicare Advantage Plan is in place (such as Aetna Medicare, AARP Medicare Complete from UnitedHealthCare, and many others), there often is some kind of hearing aid assistance.

To ensure you do not miss out on potential help with hearing aid costs from your insurance company, it is best to bring your insurance cards to Hearing Group and allow our team to confirm benefits. Policies are always changing, and we never want to see a client miss out on financial help because their specific policy was not confirmed.


Many people ask, “Does Medicaid cover hearing aids?” And the best answer is that it depends on the state. Currently, Hearing Group does not work with Medicaid in Kansas or Oklahoma. However, if any kind of supplemental plan is in place, there may be a hearing aid benefit.

The best way to confirm if you have any kind of hearing aid insurance coverage is to bring us your insurance cards and let our Hearing Group team confirm benefits directly through your insurance company.

Flexible Spending Accounts (FSA)

A flexible spending account or FSA is an account where the money is set aside for healthcare needs. The money in an FSA is not taxed, but unlike a health savings account (HSA), the money does not roll over from year to year. Therefore, any money you have built up over the year must be spent within that year, or you lose those funds.

Hearing aids do qualify to be purchased using a flexible spending account. If you would like to use your FSA funds for your hearing aid purchase, let your Hearing Group team know, and we would be happy to process this for you.

Health Savings Account (HSA)

A health savings account or HSA is a type of savings account that allows you to set aside money for healthcare needs. The money within an HSA is not taxed, and the interest earned on that money is also not taxed. Money accumulated in your HSA can continue to build as it carries over from year to year.

Hearing aids qualify to be purchased with HSA funds. If you have a health savings account and would be interested in using those funds for your hearing aid purchase, let your Hearing Group team know.

Contact Hearing Group and enjoy the best service from our hearing specialists.