Hearing aids can make a big difference in conversations, safety and quality of life. But prescription hearing aids, with professional fitting and follow-up, often cost several thousand dollars a pair, and Original Medicare does not pay for them. Cost is one of the main reasons people with hearing loss go without. Today, there are more ways to lower the price.
Over-the-counter hearing aids
Since October 2022, adults 18 and older with perceived mild to moderate hearing loss can buy FDA-regulated hearing aids over the counter, in stores and online, without a medical exam, prescription or fitting by an audiologist. They often cost much less than prescription devices, and many can be adjusted with a smartphone app.
OTC hearing aids may be a good fit if you:
- Have trouble hearing in groups or noisy places, or on the phone.
- Can hear well in quiet, one-on-one conversations.
- Are comfortable adjusting the device yourself.
They are not intended for severe hearing loss or for people under 18. See a doctor before buying if you have ear pain, drainage, sudden hearing loss, hearing loss in one ear only, or dizziness.
Prescription hearing aids
For more significant hearing loss, or if OTC devices do not help, prescription hearing aids are fitted and programmed by an audiologist or hearing aid specialist. Ask what the price includes. Some providers bundle follow-up visits, adjustments, cleaning and a warranty; others offer "unbundled" pricing, which can lower the upfront cost.
Ways to pay less
- Medicare Advantage plans: many include a hearing aid benefit, often with a set allowance or through a specific network. Check the details during open enrollment.
- Veterans benefits: VA health care provides hearing aids to many enrolled veterans. See benefits for older veterans.
- Medicaid: some states cover hearing aids for adults.
- Vocational rehabilitation: if hearing loss affects your ability to work, your state's vocational rehabilitation agency may help.
- Health savings and flexible spending accounts can be used for hearing aids, batteries and related care.
- Tax deduction: hearing aids count as medical expenses if you itemize. See tax breaks for adults 65 and older.
- Nonprofit and service groups: some foundations and local service clubs, such as Lions Clubs, help people with limited income get hearing aids.
- University audiology clinics may offer lower-cost testing and fitting.
Questions to ask before you buy
- How long is the trial period, and what is the return policy?
- What is included in the price: follow-up visits, adjustments, cleaning, batteries or chargers?
- How long is the warranty, and does it cover loss or damage?
- Can the device be adjusted as my hearing changes?
- Does it work with my phone or with hearing loops in public places?
Give yourself time to adjust
New hearing aids take getting used to. Sounds may seem loud or unfamiliar at first. Wear them for a few hours a day and gradually increase. If something does not feel right, go back for an adjustment during your trial period. Read signs it may be time for a hearing check.
