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How Much Do Hearing Aids Cost With and Without Insurance?

Hearing aids are crucial for people with hearing loss. They can greatly improve your quality of life, but they can come at a significant cost. When you buy hearing aids, you’re paying for a custom service tailored to your hearing loss and the ongoing medical assistance and maintenance to preserve the aids long term. Fortunately, Aflac’s hearing insurance provided through our Dental, Vision and Hearing (DVH) Insurance plans can help reduce out-of-pocket costs.

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Table of Contents

Key Takeaways

  • Hearing aids cost between $2,000 and $7,000 per pair without insurance.1
  • Health insurance does not typically cover hearing aids, but hearing insurance can help cover the cost.2
  • Aflac hearing insurance and DVH Insurance for individuals and families can help significantly reduce your out-of-pocket costs for hearing aids.

How much do hearing aids cost without insurance?

Without insurance, hearing aids can cost between $2,000 and $7,000 per pair.1 Hearing aids usually are not covered by health insurance plans, but a supplemental hearing insurance policy (provides cash benefits for costs not covered by your primary insurance plan) can help reduce your out-of-pocket costs for hearing devices and necessary maintenance.

Factors that affect the cost of hearing aids

There are several factors that may impact the cost of hearing aids:

  • Technology level: More sophisticated hearing aids tend to cost more. Suppose you have very severe hearing loss or spend time in complex listening environments, such as those you’d experience as a musician. In that case, you may need a device with better fine-tuning capability.
  • Device generation: Just like any other type of hardware, hearing aid manufacturers release new generations of devices to update older ones. Newer generations tend to be more expensive.
  • Traditional vs. over-the-counter (OTC): The U.S. Food and Drug Administration established a new category for OTC hearing aids in 2022, making them more accessible. If you have mild or moderate hearing loss, these alternatives typically cost just a few hundred dollars.3
  • Insurance coverage: Aflac’s DVH Insurance plans for individuals and families can help reduce your out-of-pocket costs for hearing aids.

Does health insurance cover hearing aids?

Health insurance does not typically cover hearing aids because hearing loss is considered a "likely risk," and insurers believe that too many people filing claims for hearing aids could reduce profits.2 However, 20 states require insurance companies to cover hearing aids for children in most plans, and four states allow for coverage for adults. Medicare Part C (Medicare Advantage) plans may also cover hearing services.4

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Does hearing insurance cover hearing aids?

Aflac offers hearing insurance through our DVH Insurance plans, which can help cover the cost of hearing aids. These plans can also help save you money on hearing services and maintenance for your devices.

How much does a hearing aid cost with insurance?

Without insurance, hearing aids can cost between $2,000 and $7,000 per pair.1 Your costs would be reduced with the benefits offered by Aflac DVH Insurance plans based on your coverage selection. Chat with an Aflac agent to determine the plan that’s best for you.

Learn more about hearing insurance

Approximately 37.5 million American adults report some trouble hearing.5 If you need hearing aids, they may cost thousands of dollars. With Aflac hearing insurance provided through DVH Insurance, you can save money on hearing care and maintenance. If you’re interested in saving money on hearing care, chat with an Aflac agent today to discuss coverage options and get a quote.

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