Sources Of Hearing Aid & Cochlear Implant Funding

Your Insurance Medicaid/Medicare Other Sources

Click here to read the results of our Hearing Aid Insurance Poll

***** Please remember that if you have an unused hearing aid laying around, many of the organizations listed under Other Sources would be more than happy to receive it and pass it along to someone who can use it! *****

Your Insurance  

Most of the time (we hope), there are no problems getting your insurance to cover hearing aids or cochlear implants. We didn't have any problems with our insurance covering either our son's hearing aids, or his cochlear implant. Unfortunately, this is not always the case. We hope some of the following information will be helpful to you who are having problems getting your hearing aid or cochlear implant covered by your health care provider.

  • What Does Health Insurance Pay for Cochlear Implants
  • State Insurance Mandates for Hearing Aids
  • Policy Statement on Insurance Coverage of Hearing Aids from Hearing Loss Association of America
  • If you were turned down by your insurance because they said a Cochlear Implant was a hearing aid, and hearing aids are not covered under their policy, it might be worth it to get a copy of the decision mentioned  in Arizona's Medicaid Agency to Pay for Cochlear Implant where it was  found that the cochlear implant is not a hearing aid. Once you have a copy of that document you'll be able to look and see what arguments brought success in this case.
  • If you've been turned down by your insurance company and your insurance is self-funded through your employer, your employer can tell the insurance folks whether or not to approve the device. Try to find out who in administrator in your place of employment for the self-funded insurance and see if you can't get them to approve it.
  • Let Them Hear Foundation Advocacy - If your insurance provider has denied a request from your medical provider for certain hearing-related services, the Let Them Hear Foundation has a nationwide Insurance Advocacy Program to assist you in appealing the denial, free of charge.
  • Kentucky - Revised Statutes Chapter 304.17A.131 states "All health benefit plans shall provide coverage for cochlear implants for persons diagnosed with profound hearing impairment."  Bill SB 152 also passed and requires all health benefit plans to provide coverage for hearing aids and related services for persons under 18 years of age.
  • Rhode Island - House Bill 00H7298 has passed both the House and Senate and will take effect April 1, 2001.  The bill amends Chapter 27 of the General Laws to include hearing aid coverage. 
  • Missouri - Chapter 376 of the Missouri Revised Statutes
  • Maryland - HB 160 was signed into law in 2000 and mandates health insurance companies provide $1400.00 worth of coverage per hearing aid every three years through the child's 18th birthday. The bill will go into affect for new plans on Oct 1st, 2001 and as plans are renewed through Oct 1st, 2001. He also signed a bill authorizing $250,000 in state funds to create a loaner bank for children birth to three years. As soon as a child is diagnosed with a hearing loss, hearing aids can be loaned out for 6 months until the family can get the child their own and/or decide which kind of hearing aids are appropriate (SB 281 & SB 282).
  • Read our Sample Letters of Justification
  • One Mom tells me that when she encountered some resistance from their insurer they called and wrote their local senator and the insurance provider responded immediately. 
  • State Mandates for Hearing Aid Insurance from Hearing Loss Association of America
  • Financial Assistance For Hearing Aids and Personal Assistive Technology from Hearing Loss Association of America


Other Sources

***** Please remember that if you have an unused hearing aid laying around, many of these organizations would be more than happy to receive it and pass it along to someone who can use it! *****

Lists of Other Sources (similar to this page you're on right now)

Organizations with programs that can help

Check with your local Department of Health, or your audiologist to see if there are any local or state programs not listed here.

These following links are not about places that will help cover the costs of hearing aids, but they offer discounted hearing aids or services and might be helpful. When choosing a hearing aid that is discounted in price, please look into it thoroughly. Sometimes a reduced price means a reduction in services. 

Articles About Denial of Hearing Aids or Cochlear Implants 


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