Last Updated: September 24, 2026
Hearing loss affects roughly one in three adults between 65 and 74 and nearly half of those over 75, yet many people delay getting help, partly because hearing aids are expensive. Traditional prescription hearing aids often cost several thousand dollars per pair. So it is no surprise that many people ask whether Medicare will pay. The answer depends on which type of Medicare you have, and there have been important changes in recent years, including the arrival of over-the-counter hearing aids. Check current rules with your plan, since benefits can change annually.
Quick answer: Our top pick in 2026 is the Diagnostic hearing and balance exams — our #1 rated choice. See the full ranked comparison, alternatives and buying advice below.
What Original Medicare covers and does not cover
Original Medicare (Part A and Part B) does not cover hearing aids or exams specifically for fitting hearing aids. However, Part B does cover diagnostic hearing and balance exams when needed to determine whether you need medical treatment. Under a rule that took effect in 2023, people with Part B can see an audiologist once every 12 months without a doctor’s order for certain non-acute hearing conditions. The usual Part B deductible and 20% coinsurance apply.
| Item or service | Original Medicare | Medicare Advantage |
|---|---|---|
| Diagnostic hearing and balance exams | Covered (Part B) | Covered |
| Routine hearing exams | Not covered | Often covered |
| Hearing aid fitting | Not covered | Often covered |
| Hearing aids | Not covered | Often covered, with allowance or copays |
| Cochlear implants | Covered if criteria met | Covered if criteria met |
Medicare Advantage hearing benefits
Most Medicare Advantage plans include some hearing benefit as an extra. The structure varies: some offer a fixed allowance toward hearing aids per ear every one to three years, others give access to hearing aids through a specific network provider with set copays, and some include routine hearing exams and fittings. Allowances can range from a few hundred dollars to over a thousand per ear, depending on the plan. Read the fine print: many plans require you to use a specific hearing provider, limit the choice of devices, and set how often you can get new aids.
Over-the-counter hearing aids
Since October 2022, the FDA has allowed over-the-counter (OTC) hearing aids for adults with perceived mild to moderate hearing loss. They can be purchased without a prescription or professional fitting, and typically cost about $200 to $1,500 per pair, much less than many prescription devices. They suit people who can manage basic setup through an app or controls. People with more severe loss, sudden hearing changes, ear pain, drainage or ringing in one ear should see a doctor or audiologist first. OTC hearing aids are not covered by Original Medicare, but some Medicare Advantage plans and OTC allowances may help, and HSA/FSA funds can often be used.
Other ways to pay for hearing aids
Medicaid
Many state Medicaid programs cover hearing aids for adults, though rules vary. Dual-eligible people may get hearing aids through Medicaid or a Dual Special Needs Plan.
Veterans Affairs
Eligible veterans can often receive hearing aids through the VA at low or no cost.
Nonprofits and state programs
Organisations such as local Lions Clubs, hearing loss associations and state vocational rehabilitation programs sometimes help with costs. Some states have assistance programs for older adults.
Payment options
Many audiology practices offer payment plans, and warehouse clubs and some retailers sell prescription-level hearing aids with fitting at lower prices than traditional clinics.
Choosing a plan with hearing in mind
If hearing aids are a priority, compare Medicare Advantage plans during the Annual Enrollment Period (October 15 to December 7). Look at the hearing aid allowance or copay, the frequency limit, the provider network, whether fitting and follow-up visits are included, and whether batteries or rechargeable options are covered. Balance hearing benefits against the plan’s other features, such as doctor networks and drug coverage.
Why treating hearing loss matters
Untreated hearing loss is linked with social isolation, difficulties with communication, and in research studies, a higher risk of cognitive decline. It can also make medical appointments and safety alarms harder to hear. Getting a hearing test is a worthwhile step even if hearing aids are not immediately affordable.
FAQ
Does Medicare Part B pay for a hearing test?
Part B covers diagnostic hearing and balance exams when needed for medical evaluation, and allows audiologist visits without a doctor’s order once a year for certain conditions. Routine hearing tests just for fitting hearing aids are not covered.
Are OTC hearing aids good for seniors?
They can be a good, affordable option for adults with mild to moderate hearing loss who are comfortable with basic setup. People with more significant loss or sudden changes should see a professional first.
Bottom line
Original Medicare does not cover hearing aids, but it does cover diagnostic hearing exams. Many Medicare Advantage plans include hearing aid benefits, and OTC hearing aids, Medicaid, the VA and nonprofit programs can reduce costs. Compare plan hearing benefits during enrollment if hearing aids are a priority.
Ready to decide? Our #1 pick for 2026 is the Diagnostic hearing and balance exams.
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