Hearing Aid Financing & Payment Options
Paying for hearing aids should feel clear, not overwhelming. At Prescription Hearing, we help you understand your options, check your insurance benefits, and choose the payment path that makes the most sense for you.
Product prices are found in our online store. Here, you’ll find an overview of different ways you may be able to pay, including financing, insurance, managed care plans, HSA/FSA funds, credit cards, and other benefits.
Whatever your situation, there's usually more than one path — and you don't have to figure it out alone.
- We can check your insurance benefits for you.
A quick look at your payment options
A scannable overview. Explore any option in more detail further down the page.
Prescription Hearing offers financing through Care Credit. Qualified buyers can get interest-free financing for up to 12 months.
Some insurance plans help pay for hearing aids. We can check your benefits and help you understand what your plan may cover. This includes all insurances including Medicare and Medicare Advantage plans as well as managed care plans.
Hearing aids are typically eligible expenses, so you may be able to use your HSA or FSA funds.
Prescription Hearing accepts most major credit cards.
Prescription Hearing accepts most major credit cards.
Some benefits through the VA, an employer, union, retiree plan, or other programs can help pay for hearing aids.
Patients are welcome to pay in full for hearing aids. Product pages include pricing details.
Prescription Hearing offers financing for hearing aids.
We offer financing through Care Credit, a secure financing option. Approval is completed through the Care Credit website, and qualified buyers may be able to select interest-free financing for up to 12 months.
Financing can be a helpful option if you want to spread out the cost of hearing aids instead of paying the full amount upfront. Available terms depend on the financing provider and buyer qualifications.
- Secure application handled on the Care Credit website
- Interest-free up to 12 months for qualified buyers
- Spreads the cost into predictable monthly payments
- A helpful option when paying in full isn't the right fit
Insurance and hearing aids
Insurance coverage for hearing aids varies by plan. Some plans help pay for hearing aids, some cover hearing testing but not the devices themselves, and some don’t include any hearing or hearing aid benefits.
- A set dollar amount toward hearing aids
- Coverage for one or both ears
- Deductibles or copays
- Reimbursement after purchase
- Limits on hearing aid brands, models, or technology levels
- Coverage for hearing tests, fittings, follow-up care, repairs, or batteries
- Whether you need a hearing test first
- Whether prior authorization is required
- Whether a referral is needed
- Whether coverage is per ear or total
- What dollar amount or percentage is covered
- Whether your deductible applies
- Whether follow-up care is included
- Whether the provider must be in network
- Whether the provider’s NPI number is needed
If your insurance doesn’t cover the full cost (which is likely), you may still be able to use financing, HSA/FSA funds, credit cards, or other benefits to help.
For a deeper dive into how managed care plans can affect hearing care:
Medicare and hearing aids
Original Medicare typically doesn’t pay for hearing aids. Some Medicare Advantage (also known as Managed Care) plans may include hearing aid benefits.
| Type of Medicare | What it means for hearing aids |
|---|---|
| Original Medicare | Does not cover hearing aids. It may cover certain diagnostic hearing exams if ordered by a doctor. |
| Medicare Advantage / Managed Care Plan | May include hearing aid benefits, depending on the plan. Coverage rules, provider networks, approved devices, and copays can vary. These plans will limit the type of technology and manufacturer options. Some hearing aid prices are more expensive through managed care. We can check your benefits and compare your options to help you decide which payment path makes the most sense. |
If you have a Managed care plan, we can help check your benefits so you have a clearer idea of what your plan may cover before moving forward.
Hearing aids are generally eligible expenses for HSA and FSA funds
You may be able to use your HSA or FSA funds to pay for hearing aids, including costs your insurance doesn’t cover. HSA/FSA funds can be useful option whether you’re paying out of pocket, using partial insurance benefits, or combining more than one payment method.
If you plan to use an HSA or FSA card, double-check your plan’s rules before purchase and keep your receipt in case your plan administrator asks for documentation.
Double-check your plan's rules before you purchase, and keep your receipt so your HSA/FSA funds are easy to apply.
Prescription Hearing accepts most major credit cards
Other benefits that may help pay for hearing aids
Some patients have additional benefits that may help cover hearing aids or hearing care. These vary by program, employer, and eligibility.
Veterans may qualify for hearing aids or hearing care through VA benefits.
Some employer, retiree, or federal employee plans include hearing aid coverage or reimbursement.
Some union plans include hearing aid benefits or reimbursement options.
If hearing loss is related to workplace noise exposure, workers’ compensation may apply.
If hearing loss is related to workplace noise exposure, workers’ compensation may apply.
Some state programs may help pay for hearing aids if they’re needed for work.
Some nonprofit or community programs may help people who qualify financially.
Not sure where to start?
Start with what you already have: insurance, HSA/FSA funds, VA benefits, employer benefits, or another program. Then Prescription Hearing can help you understand what may apply.
You don’t have all the answers. We’re here to help you understand your payment options so you feel comfortable getting the hearing care you need.