Hearing Insurance

Choosing the right insurance plan can feel overwhelming, but you don’t have to do it alone.

Hearing coverage is expanding quickly due to growing demand. A hearing benefit may share the cost of a hearing exam and help with the cost of hearing devices. These benefits are rarely offered in traditional health plans. Today hearing coverage is being offered in stand-alone plans. More often, hearing benefits are bundled with a dental and/or vision plan. Benefits will vary and may come with a required network of hearing providers.

Types of Hearing Coverage Options

Individuals seeking hearing care coverage often have several plan options, depending on their insurance needs and budget:

Stand-Alone Hearing Insurance Plans
These are dedicated hearing insurance policies that can be purchased separately. They typically include coverage for exams, hearing aids, and follow-up care.

Hearing Benefits with Vision/Dental Bundles
Some insurers offer hearing coverage as part of a package with dental and vision insurance, giving you a comprehensive approach to routine health needs.



Discount Hearing Programs
While not traditional insurance, discount programs partner with hearing care providers to offer reduced pricing on exams, devices, and repairs.

Factors to Compare Before Choosing a Hearing Plan

Selecting the right hearing coverage requires more than just finding the lowest premium. Consider these factors:

• Your Hearing Needs: Think about whether you need coverage for hearing aids now or might in the future.



• Provider Access: Make sure the plan includes your preferred hearing care professionals and clinics.

• Device Options: Check if the plan covers a range of hearing aid types and technology levels.

• Replacement Frequency: Find out how often you can replace hearing aids under the plan.

• Out-of-Pocket Costs: Review copayments, deductibles, and any annual benefit limits.

When and How to Get Hearing Insurance

In most cases, you can enroll in a hearing insurance plan at any time of the year if it is not associated with your major health coverage. These stand-alone hearing plans are often bundled with dental and/or vision coverage. 

If you are offered hearing coverage through an individual or employer-sponsored health insurance policy, enrollment in or changes to your enrollment will be limited to the eligible enrollment periods required by that plan. Outside of the annual open enrollment period, special enrollment periods occur following life triggering events such as a marriage, divorce or the birth of a newborn.