Trustedcompanyreviews.com offers free content, reviews and ratings for consumers to read, aimed at helping them compare their options. We may receive advertising compensation from companies featured on our website, influencing the positioning and sequence in which brands (and/or their products) are displayed, as well as affecting the assigned ratings. Please note that the inclusion of company listings on this page does not constitute an endorsement. We do not feature all available providers in the market. With the exception of what is explicitly outlined in our Terms of Service, we disclaim all representations and warranties regarding the information presented on this page. The details, including pricing, displayed on this site may undergo changes at any time.
Best Hearing Insurance
According to the National Institute on Deafness and Other Communication Disorders, approximately 1 in 3 people aged 65 to 74 experience hearing loss. Unfortunately, while Medicare serves seniors, it typically does not include hearing coverage. This coverage gap leads seniors to search for reliable, affordable hearing insurance.
In this article, we make the search easier by providing a thorough review of the best hearing insurance for seniors and breaking down coverage options, costs, and other important details.
Why trust Trusted Company Reviews
- Comprehensive review rating system.
- We work closely with consumers and experts to create editorial ratings.
Trusted Company Reviews #1 Pick for 2026
- Large nationwide provider network
- Strong hearing aid allowances
- Coverage for routine hearing exams
Why we love it 💖
UnitedHealthcare tops our list for combining strong hearing aid allowances, nationwide provider access, and comprehensive Medicare Advantage hearing coverage.
Our Highest Rated Best Hearing Insurance Companies
- Medicare Advantage plans with dental, vision, and hearing coverage
- Hearing experts to assist with selecting hearing aids
- Online hearing assessment
- Extended warranties on hearing aid purchases
- Pairs with AARP Hearing Solutions program
- Hearing exams covered
- Hearing aid allowances
- Dental, vision, and hearing bundles
- Telehealth services
- Fitness and wellness benefits
- Routine hearing exam coverage
- Hearing aid discounts
- Vision coverage options
- Telehealth services
- Wellness products and services
- Vast nationwide availability
- Hearing aid allowances
- Local insurance agent support
- Vision bundles
- Free hearing aid batteries
- Hearing exam coverage
- Copay-based hearing aid benefits
- Dental and vision plans available
- Large provider network
- Hearing aid fitting coverage
What Is Hearing Insurance for Seniors?
Hearing insurance for seniors refers to insurance benefits that cover hearing-related services, including exams, hearing aid fittings, hearing aids, and follow-up care. Seniors are frequently affected by hearing loss, yet often lack coverage due to Medicare gaps. Hearing insurance supplemental plans help to cover those gaps.
What does hearing insurance actually cover?
Most hearing plans cover:
- One routine hearing exam per year
- An allowance for hearing aid purchases
- Fittings and follow-up adjustments
Some also include additional benefits, including:
- Free hearing aid batteries
- Extended warranties
- Hearing aid trial periods
- Vision and dental coverage bundles
- Wellness benefits
Like other health insurance plans, most vary by region or state and adjust coverage if you select an out-of-network provider.
Why Hearing Coverage Is Important for Seniors
Hearing loss can affect independence, communication, emotional and mental well-being, and safety for seniors. Research shows that seniors with hearing loss are at a higher risk of isolation, depression, and cognitive decline.
Unfortunately, Medicare does not cover hearing aids. Without insurance, the most reliable hearing aids can cost thousands per ear, an expense not easy to cover on a fixed income.
Quality hearing insurance ensures seniors receive the hearing exams and aids they need.
Who Should Consider Hearing Insurance?
Just like a medical plan and life insurance, hearing insurance is best purchased before it’s needed. Hearing insurance is especially helpful for:
- Seniors on Medicare
- Seniors noticing a change in their hearing or speech clarity
- Seniors seeking to bundle vision, dental, and hearing plans
- Those planning for future health needs
Which Hearing Insurance Company Is Best for Seniors?
The best hearing insurance for seniors depends on your location, health needs, and financial outlook. Benefits often vary by state, so it’s important to take time to compare your available plans before making a decision.
When selecting your hearing aid insurance plan, look for one that offers:
- Coverage for hearing exams
- Beneficial hearing aid allowances
- Reliable provider network in your area
- Transparent costs
- Solid customer support
Most companies offer simple quotes online. If you have additional questions, contact an insurance agent or the company for costs and complete details.
The Best Hearing Insurance for Seniors Side-by-Side
| Hearing Exam Coverage | Hearing Aid Allowance | Waiting Period | |
| UnitedHealthcare | Yes | Yes | No |
| Humana | Yes | Yes | No |
| Cigna | Yes | Yes | No |
| BlueCross BlueShield | Yes | Yes | No, but prior authorization may be required for some hearing aids |
| Aetna | Yes | Some plans. Others are copay-based | No |
Related Articles:
UnitedHealthcare
Best Overall
Trusted Company Reviews Rating Score for UnitedHealthcare: 9.6
Review
UnitedHealthcare, through its strong Medicare Advantage Plans, provides outstanding hearing coverage for seniors. Its nationwide network of more than 7,000 hearing providers ensures that care is available wherever you are.
About
UnitedHealthcare is a trusted name in health insurance, offering health benefit plans nationwide through a provider network of more than 1.7 million physicians and other care professionals.
Features and Benefits
The UnitedHealthcare Medicare Advantage hearing benefit covers hearing exams and a wide selection of hearing aids. Yearly hearing exams are provided at no cost, while hearing aid allowances, often ranging from $1,000-$2,500, provide seniors the option to choose the device that best fits their budget and needs.
Furthermore, UnitedHealthcare offers consultation with hearing specialists to assist with the device purchasing process and provides a 3-year manufacturer’s warranty on all prescription hearing aids.
- Large nationwide provider network
- Strong hearing aid allowances
- Coverage for routine hearing exams
- Medicare Advantage plans with dental, vision, and hearing coverage
- Hearing experts to assist with selecting hearing aids
- Online hearing assessment
- Extended warranties on hearing aid purchases
- Pairs with the AARP Hearing Solutions program
Why We Chose
UnitedHealthcare was a clear choice given its nationwide availability, reliable benefits, and competitive hearing coverage.
Pros and Cons
Pros
- Large provider network
- Strong hearing aid allowances
- Extended hearing aid warranties
Cons
- Benefits vary by location
- Limited customization options
UnitedHealthcare |
||
| Hearing Exam Coverage | Hearing Aid Allowance | Waiting Period |
| Yes | Yes | No |
Humana
Best for: Comprehensive wellness benefits
Trusted Company Reviews Rating Score for Humana: 9.5
Review
Humana’s hearing insurance for seniors is part of a vision, dental, and hearing bundle providing outstanding 3-in-1 coverage. Choosing one of its bundled plans makes managing your insurance easy with a single payment that covers them all.
About
Humana was founded in 1961 with a mission to help people live healthy and happy lives. Since then, they’ve done so by providing a wide range of health and wellness-focused insurance plans and services.
Features and Benefits
With Humana’s Extend plans, you can take advantage of coverage for dental, vision, and hearing. All three plans include immediate coverage for preventative or routine care, access to a national network of hearing professionals, telehealth services, and a variety of wellness benefits.
Members can choose from three Extend tiers, including:
- Humana Extend 1250
- Humana Extend 2500
- Humana Extend 5000
Depending on the tier you choose, you’ll enjoy a $0 copay for in-network annual exams and an annual allowance for hearing aids.
- Hearing exams covered
- Hearing aid allowances
- Dental, vision, and hearing bundles
- Telehealth services
- Fitness and wellness benefits
- No waiting period for preventative or routine care
- Choose from 3 solid plans
Why We Chose
Humana is a clear leader in the hearing insurance space with its nationwide network and strong focus on overall health and wellness. Furthermore, we loved its easy-to-understand bundles and online quote option.
Pros and Cons
Pros
- Choose from 3 plans
- Competitive hearing aid allowances
- Bundle dental, vision, and hearing insurance
Cons
- Not available in all states
- Plans vary by region
Humana |
||
| Hearing Exam Coverage | Hearing Aid Allowance | Waiting Period |
| Yes | Yes | No |
Cigna
Best for Preventive care
Trusted Company Reviews Rating Score for Cigna: 8.1
Review
Cigna emphasizes overall wellness with comprehensive hearing insurance and a wide variety of member health care initiatives.
About
Cigna is a global health company focused on improving the health and vitality of its members. Cigna’s health and wellness initiatives are also extended to its employees, further proof of the company’s commitment to the cause.
Features and Benefits
Cigna’s hearing coverage is part of a larger, bundled plan that includes vision and dental insurance. With no deductible and no waiting period, members enjoy up to $50 in hearing evaluations and exam coverage and hearing aid allowances up to $700. Choosing an in-network provider stretches your allowance further.
- Routine hearing exam coverage
- Hearing aid discounts
- Vision coverage options
- Telehealth services
- Wellness products and services
- Dental, vision, and hearing bundles
- No deductible plans
- No waiting period
- 24/7/365 customer service
Why We Chose
Cigna’s straightforward coverage and wellness extras make it an appealing choice for seniors looking to prioritize their hearing health.
Pros and Cons
Pros
- Straightforward hearing coverage
- Wellness programs
- No waiting period
Cons
- Not available in some states
- Coverage limits
Cigna |
||
| Hearing Exam Coverage | Hearing Aid Allowance | Waiting Period |
| Yes | Yes | No |
BlueCross BlueShield
Best for Nationwide availability
Trusted Company Reviews Rating Score for BlueCross BlueShield: 7.9
Review
BlueCross BlueShield, through a partnership with TrueHearing, provides outstanding, nationwide hearing coverage. Its comprehensive coverage is affordable and offers competitive allowances.
About
Since 1929, BlueCross BlueShield has expanded its network and now provides coverage in all 50 states, Washington, D.C., and Puerto Rico.
Features and Benefits
With a TrueHearing plan through BlueCross BlueShield, members are entitled to a $0 copay on their routine hearing exam, hearing aid allowances, a 60-day trial on new hearing aids, a 3-year extended warranty, 80 free batteries per hearing aid, and follow-up visit coverage.
- Vast nationwide availability
- Hearing aid allowances
- Local insurance agent support
- Vision bundles
- Extended warranties
- Free batteries
- 60-day hearing aid trial
- Follow-up visits
Why We Chose
With a significant, nationwide network of providers and solid benefits, BlueCross BlueShield stands out as a solid choice for seniors who need comprehensive coverage across the country.
Pros and Cons
Pros
- Large, nationwide network
- Free batteries
- Extended hearing aid warranties
Cons
- Best benefits are in-network only
- Cost
Blue Cross Blue Shield |
||
| Hearing Exam Coverage | Hearing Aid Allowance | Waiting Period |
| Yes | Yes | No, but prior authorization may be required for some hearing aids |
Aetna
Best for Predictable costs
Trusted Company Reviews Rating Score for Aetna: 7.8
Review
Through a partnership with NationsHearing, Aetna provides hearing insurance to seniors to cover the gap left by Medicare.
About
Aetna is committed to creating meaningful and personal health care experiences for its members through a vast network of care professionals and a wide range of health and well-being resources.
Features and Benefits
Aetna members can choose between an HMO and a PPO plan, offering similar benefits. HMO members enjoy coverage for a routine hearing exam, hearing aids, and hearing aid fitting at any NationsHearing provider. PPO members enjoy those same benefits, but enjoy the freedom to choose any licensed provider.
- Hearing exam coverage
- Hearing aid fitting coverage
- Copay-based hearing aid benefits
- Dental and vision bundles available
- Large provider network
Why We Chose
We loved Aetna’s commitment to providing various options for seniors who need hearing coverage. The company also stands out for its cost transparency and large provider network.
Pros and Cons
Pros
- Transparent costs
- Large provider network
- Choose from multiple plans
Cons
- Coverage caps
- Wide range of options may be confusing
Aetna |
||
| Hearing Exam Coverage | Hearing Aid Allowance | Waiting Period |
| Yes | Some plans. Others are copay-based | No |
Frequently Asked Questions
These are some of the most common questions surrounding hearing insurance for seniors
No, original Medicare does not routinely pay for hearing exams, hearing aid fittings, or hearing aids. This leaves seniors to pay for exams and purchase costly hearing aids out of pocket. However, some Medicare Advantage plans will include hearing coverage (as well as vision and dental) as part of their benefits.
Seniors can reduce hearing aid costs by selecting a hearing insurance plan with quality benefits. Furthermore, selecting an in-network provider and choosing a covered hearing aid will help to reduce out-of-pocket costs. While some inexpensive hearing aids are available over-the-counter, it’s best to use insurance to purchase a quality product that will last.
The best type of hearing aid for seniors is one that is within budget, fits well, and serves their needs. From hearing amplifiers to hearing aids, there is a wide variety of products available over the counter, through hearing aid subscriptions, and with a prescription. It’s best to consult with a hearing professional to determine which product is best.