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Blue hearing aid: Financial assistance for hearing aids
Health Education

Financial assistance for hearing aids

Learn how to get financial help for hearing aids through insurance, discounts, and nonprofit programs
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By | May 1, 2024 Medically reviewed by Gerardo Sison, Pharm.D.

Key takeaways

  • The average cost of prescription hearing aids ranges from under $1,000 to over $8,000 per pair.

  • Over-the-counter hearing aids, which are now regulated by the FDA, typically cost around $200 to $1,500 or more per pair.

  • Hearing aid cost varies by brand, model, style, features, maintenance, hearing specialist visits, and device life-span (typically five years).

  • Insurance may partially cover the cost of hearing aids if they are medically necessary.

  • Financial aid is available for hearing aids through nonprofit organizations and discount programs.

In this article:

Untreated hearing loss impacts every area of life—from talking with relatives and attending social events to day-to-day interactions like paying bills.

However, hearing aids may be pricey. Among the 28.8 million adults who would benefit from hearing aids, fewer than one-third of adults 70 and older and only 16% of younger adults have ever tried them. For many, uncertainty about the cost is a major factor. Thankfully, there are many ways to get help to cover the price of hearing aids. 

Cost of hearing aids

Prices for hearing devices range from hundreds to thousands of dollars. Over-the-counter (OTC) hearing aids are less expensive than prescription hearing aids because they do not require the services of a hearing specialist (audiologist).

Average cost of hearing aids

The average cost for a pair of hearing aids is around $4,500, although prices may range from under $1,000 to more than $8,000. 

On the low end are OTC amplifying devices, with options starting around $200, although newer versions with extra features might cost more than $1,000. The FDA has approved these devices for mild to moderate hearing loss. They are easy to find at your local pharmacy, retail stores, and online. You can usually start using them immediately since you won’t have to wait for a fitting.

Many people find hearing aids recommended and fitted by a specialist are more comfortable and work better. Professional devices tend to have better sound quality and more features. 

What determines the price of hearing aids?

Apart from the services of a hearing expert, a variety of factors influence the cost of hearing aids, including:

  • Brand 
  • Model 
  • Style
  • Features

Plus, local businesses may mark up their products. It’s like buying a pair of shoes: three different shoe stores may set three different prices. 

In addition to the manufacturer’s price and any retail markup, you may have add-on expenses. Some providers charge for an initial consultation, exam, or follow-up visits. Others build these fees into the cost of the hearing aids.

Maintenance and repair costs

Hearing aids are an investment. Proper maintenance and repair are essential for making the most of your hearing equipment. Cleaning and servicing are both part of caring for your investment. Many audiologists recommend receiving a professional cleaning for your equipment every four to six months. If your appliance isn’t operating properly, you may need servicing sooner than this.

Upgrade and replacement costs

A typical hearing device lasts around five years. Since the technology is constantly changing, you’ll likely want to replace your devices with a newer or better model over time. It’s important to plan for these future expenses. 

When calculating value, think about life-span. You may want to pay extra for a device that will last longer. However, finding a bargain on a less durable product may mean you can take advantage of the latest technology. 

Financial assistance for hearing aids

There are several ways to make hearing aids more affordable, including insurance coverage, nonprofit organizations, and discount programs. 

Insurance coverage

Private health insurance through employers and commercial plans vary in terms of coverage, with only some offering assistance for hearing devices. Government assistance programs like Medicaid may cover the full amount for people who meet certain criteria. 

Private health insurance

Although most private insurers do not cover the full cost of hearing aids, some may cover hearing tests and evaluations. However, deductibles and copay/coinsurance may still apply. 

Insurance may cover hearing aids that are medically necessary, such as in the case of the following:

  • Hearing loss caused by a medical illness
  • Hearing loss resulting from an accident or injury
  • Congenital hearing loss
  • Abrupt hearing loss
  • Hearing loss induced by trauma or surgery

Most insurance plans provide coverage for children because early intervention is critical for their education and development. 

Workers’ compensation insurance may cover work-related hearing loss. 

The easiest way to find out if you qualify for insurance coverage is to call your plan’s Member Benefits line. The insurance company will provide you with precise information.

Government insurance programs

Government-sponsored health plans like Medicare, Medicaid, and Tricare offer assistance for some people. Since eligibility varies, understanding the details is key. 

  • Medicare: Medicare Part B may cover 80% of the cost of diagnostic hearing exams ordered by your provider to detect a hearing problem. Medicare Part C (Medicare Advantage plans) often cover hearing aids along with hearing exams. 
  • Medicaid: Since Medicaid coverage is determined by each state, where you live affects your benefits. For example, in California, Medicaid covers hearing aids with prior authorization. In Texas, adults with at least 35 dB hearing loss in both ears can receive one hearing aid device every five years, and Medicaid will cover either the right or left but not both in the same five-year period. Still, not all states cover hearing aids. Visit medicaid.gov to find out what your state covers.
  • Tricare: Active duty service members and their families may qualify for hearing aid services. Adults with at least 40 dB hearing loss in one or both ears or a speech recognition score of less than 94% may meet the criteria for covered hearing care. Tricare does not cover hearing aid services for retired service men and women.

Hearing aid leasing programs

Leasing is a cost-effective way of paying for hearing aids. Lease programs let you enjoy the latest tech without a hefty upfront payment. Here’s how they work:

  1. Visit an audiologist who can recommend a professional-grade hearing aid. 
  2. Pick a model from a large manufacturer that offers a lease option. 
  3. Sign a contract and agree to the terms. 
  4. Make a down payment followed by affordable monthly payments.

You’ll have the option to buy the hearing aids at the end of your term. The total price will include the fittings, follow-up, and warranty, with payments spaced out over several months. 

A possible downside is you will end up paying more over time when you lease. However, this is ideal for someone who wants the option to continuously upgrade to the latest technology. It’s also ideal for those who are receiving hospice care and looking to improve their hearing short term. Audicus and ReSound are two brands that offer lease plans through licensed audiology offices.

Manufacturer discounts and payment plans

Many prescription hearing aids are only available by face-to-face consultation with a hearing specialist. Manufacturers like Oticon warn consumers to only buy from approved locations. 

Other makers offer direct-to-consumer (DTC) hearing aids. You can purchase DTC products directly from the manufacturer—usually online—without a prescription. These are usually far less expensive and more convenient since you don’t have to make an appointment or travel to a clinic. 

Buying straight from the source also has its perks—like exclusive deals, top-notch support, and payment plans. Hearing aid manufacturers that provide discount programs or consumer payment plans include the following:

  • Audien currently offers a $25 discount online
  • Eargo devices are up to $460 off, with payments as low as $26 per month
  • Jabra offers up to $200 off and payments as low as $33 per month for a pair
  • Lexie is offering $100 off for self-fitting hearing aids

Always contact the manufacturers directly to ask about current discounts and financial aid since these often change.

Discount programs

Third-party companies offer discount programs that make hearing aids more affordable, too. 

Yes Hearing

Yes Hearing works with clinicians and hearing aid manufacturers to bring affordable hearing care to your home. Customers can request a phone consultation or browse choices online. The company advertises name-brand equipment at up to 40% off retail costs. When you buy from Yes Hearing, a hearing expert hand-delivers, fits, and adjusts your new devices. They also schedule any follow-up you need.

Zip Hearing

Zip Hearing partners with providers nationwide. The company claims discounts of up to 50% on more than 1,500 models. To take advantage of this, visit the website or call to find a Zip Hearing provider near you. Arrange an in-office consultation and place your order. You can return the equipment within 45 days for a 100% refund if you’re dissatisfied.

AARP Hearing Solutions

AARP members have access to the AARP Hearing Solutions discount program. Even if you don’t have insurance, you are eligible for a free hearing exam, up to 20% off hearing aids, and exclusive member pricing through UnitedHealthcare’s provider network. If you’re not a member, you can join AARP for around $10 per year. 

Free or low-cost hearing aids

Some organizations offer hearing aid assistance programs as a “last resort”—in other words, for people who cannot afford hearing aids on their own using credit, family support, investments, retirement accounts, trust funds, savings, and state-sponsored programs. These organizations may ask for proof that insurance or other resources have denied you support. There are a few options to consider.

Starkey Cares Neighbors in Need program

The Starkey Foundation Neighbors in Need program provides up to two hearing aids for low-income people living with hearing loss. In 2024, the household income limit to qualify is under $27,180 for an individual or under $36,620 for a two-person household. The application fee is $300. To qualify, make an appointment at a Starkey Cares provider to test your hearing and discuss your options. 

Miracle-Ear Foundation

The Miracle-Ear Foundation provides a free pair of hearing aids to adults and children who meet income requirements. Households at or below 200% of the federal poverty guidelines can apply. In 2024, this is $30,120 for an individual and $40,880 for a couple. Applicants pay a non-refundable application fee of $200. 

Help America Hear

Help America Hear is a program for adults and children who meet income restrictions and need assistance. You must make less than $36,000 per year to qualify and have moderate hearing loss. You can submit your program application online. Application fees are tiered according to gross household income. Review and approval take approximately two to three weeks.  

Nonprofit and charitable organizations

Underinsured persons should also look into charities and service groups. These may be able to pay some of the cost of hearing aids or cochlear implants. Local service organizations include:

  • Elks Lodges
  • The Lions Club
  • Masonic organizations
  • Knights of Columbus councils

Even when they do not provide official hearing aid support, many of these organizations give financial assistance to needy members of the community.

Veterans Affairs benefits

The Veterans Affairs (VA) system is another resource for hearing aid benefits. Free or low-cost hearing care may be available to the following veterans of the U.S. Armed Forces:

  • Those with a service-connected disability
  • Former Prisoners of War (POWs) and Purple Heart recipients
  • Homebound veterans receiving Aid & Attendance benefits
  • Those with hearing impairment from another condition treated by the VA
  • Those with severe hearing loss that affects their medical treatment 

You can apply for VA benefits online, by phone, or in person at a local VA facility or regional office.

Active service members

Certain active-duty men and women may also be eligible for coverage. Active Air Force personnel, Air Force Reserve, and Air National Guard members may qualify for financial assistance, interest-free loans, or grants to purchase hearing aids. For more information, contact the Air Force Aid Society. 

Flexible spending accounts

Many employers provide flexible medical spending plans. These programs let you set aside pre-tax earnings to cover medical expenses. Using a flex spending account can be a great way to lower hearing aid costs.

Financial assistance programs state by state

Each state is different in terms of financial assistance. State funding, healthcare laws, and nonprofit partnerships all have an impact on hearing assistance programs. Several states support financial aid or subsidize hearing aids for low-income residents. 

In most states, you can find out more about hearing care by contacting these agencies:

  • Aid to Families and Dependent Children
  • Children’s Services
  • Department of Human Services (DHS) 
  • Department of Rehabilitation
  • State Vocational Rehabilitation Agency

Ask if your state has a hearing aid bank where individuals can donate devices they no longer need. Some states offer loaner devices to disabled individuals who need them. 

State-by-state assistance for hearing aids in the U.S.

Here’s a state-by-state breakdown of the available hearing aid assistance programs.

Since state programs are broad and change often, it’s impossible to list everything available in every state. To learn about services where you live, contact your state’s health department. An easy way to connect with your state agency is to call 211. 

Applying for financial assistance for hearing aids

The application process for aid is typically straightforward. Most applications are short—only one to two pages. Be prepared to provide:

  • Basic contact information
  • Details of any insurance coverage you have
  • Household income sources and amounts (salary, pension, food stamps, etc.)
  • Monthly expenses (rent/mortgage, utilities, food, etc.)

At the end, you’ll sign to attest that the information you’ve given is accurate and true.

Eligibility criteria

Most—if not all—aid initiatives have income requirements. Likewise, almost all programs rely on the Federal Poverty Guidelines to decide who is “low income.” The openly-available criteria are updated yearly. 

Applications may define low income as 100%, 150%, or even 200% of the current poverty guideline. To improve your odds of approval, calculate your household income and check the program requirements before you apply for need-based assistance.

Necessary documentation and information

Financial assistance programs may require proof of income. Other documentation they may require includes:

  • Identification (driver’s license, passport, etc.)
  • DD-214 for Veterans benefits
  • Proof of residency (utility bill, copy of lease, etc.)
  • Proof of income (paystubs, unemployment statements, bank statements, etc.)

Each application should describe what information (if any) you need to send with the form. The application process may be delayed if your application is incomplete or lacks the necessary information.

The application process

Make sure you complete every section of the application. Incomplete or missing information could also lead to a rejection. Some applications also require an application fee.

When applying by mail, it’s a good idea to make a copy of each page to keep for your records. Though each program varies, you should expect a response after three to six weeks.

FAQ about financial assistance for hearing aids

How do you get free hearing aids?

In the U.S., children’s health plans and charity organizations may cover hearing aids for children. For adults, the options are limited. Service organizations and nonprofits may offer assistance to low-income people.

Will Social Security pay for hearing aids?

Unfortunately, the Social Security Administration does not pay for personal or individually-prescribed devices. 

Do any insurance plans cover the cost of hearing aids?

Some insurance plans cover the cost of hearing aids. Coverage varies depending on your plan and provider. It’s important to check directly with your insurance provider for detailed information about your coverage. 

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