Hearing health

Hearing aid insurance in Canada

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Author: EarPros team

Hearing loss is a significant debilitating condition. It can be a substantial setback in fostering relationships with family, friends, and workmates. Globally, approximately 466 million people spread across different ages, gender, and ethnicities. In Canada, more than three million people have some degree of hearing loss. It poses a significant burden to healthcare and many families. The seniors are the main culprits of hearing loss. Research shows that hearing loss is the third most common condition in the elderly after cardiovascular diseases and arthritis. Therefore, treatment of hearing loss and acquisition of hearing devices is of paramount importance to improve the quality of care.

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What are the hearing aids insurance benefits in Canadian territories?

Different states in Canada have varying policies regarding coverage of hearing aids by insurance firms. The insurance can cover the total price or partial discounts depending on your age and career, for instance, military veterans. The table below illustrates the breakdown of hearing aids insurance coverage in different Canadian states.

Province/Territory	Who would be covered	What could be covered	How much could be covered
Ontario	All residents.	Hearing aids FM systems Cochlear implant replacement speech processors Replacement of BAHA sound processors with abutments Printing teletypewriters Non-printing teletypewriters Message-signaling devices	The state covers ¾ of the cost of the hearing aids up to the set maximum coverage.
Quebec	The state covers all children below 11 years of age who have a hearing impairment. Additionally, all teens between ages 12-18 years who have a hearing defect of more than 25 decibels in one ear are covered. Students that are studying for a diploma, certificate, or degree from a recognized University and who are aged 19-25 years with a hearing defect of more than 25 decibels in at least one ear. All residents aged above 19 years old with a hearing defect of at least 35 decibels in their better ear are covered. Any person in the state with a hearing impairment affects their ability to work, study or socialize.	Hearing aids Hearing aid replacements and repairs Adapted alarm clocks Telephone amplifiers Teletypewriters	Complete coverage for these items for residents hearing loss of a certain decibel.
British Colombia	Residents with a workplace disability. A parent who is hard of hearing. Residents hard of hearing and are registered with Canadian National Institute for the blind. Residents with hearing loss who provide sole care for an adult with cognitive impairment. A dependent child whose family gets premium assistance through medical services plan.	Hearing instruments. Cochlear implants and repairs. Bone-anchored hearing aids.	The total cost for the devices.
Alberta	Any child or teen below 18 years of age is covered. Any student aged 18-24 years and is on a full-time program in a recognized college or University. Residents aged 65 years or older-either you, your spouse, or an adult dependant have hearing loss. Residents aged 18-64, with a low income.	Hearing aids, replacements, and repairs.	Alberta Aids to Daily Living pays 75% of the cost of hearing aids worth up to a maximum of $1200. Residents get coverage for up to two hearing aids every five years. Seniors with high incomes get coverage for one hearing aid every five years
Saskatchewan	Residents are covered under Supplementary Health Benefits and Family Health Benefits.	Hearing aids. Hearing tests .A lost or broken hearing aid.	Audiology services, hearing aids, and certain supplies. The state covers 30% of the cost incurred in replacing a lost or broken hearing aid for residents aged over 20 years.
Manitoba	Children and teens under 18 years.	Hearing aids Dispensing fees Earmolds Ear impressions	80% of the cost of these items under the Children's Hearing Aid Program Hearing aids to a maximum of $500 per ear
Atlantic provinces	Students up to age 21 (in all Atlantic provinces) Children under 18 in Newfoundland and Labrador Adults in financial need in Newfoundland and Labrador	Hearing devices	Students are eligible for special audiology care and a price discount on hearing devices through the Atlantic Provinces Special Education Authority (APSEA) program. Children, full-time students, and adults with low incomes could get hearing aids under Newfoundland and Labrador's Provincial Hearing Aid Program (PHAP) All Prince Edward Islanders could get free hearing assessments
Northwest Territories/Nunavut	Non-Aboriginal seniors First Nations people eligible for the Non-Insured Health Benefits Program	Hearing aids and repairs	First Nations people get up to $575 for hearing aids and $125 for specific repairs Full hearing aids coverage for non-Aboriginal seniors through the Extended Health Benefits for Seniors Program
Yukon	Children under age 16 with chronic diseases Military veterans Seniors on Pharmacare First Nations people eligible for the Non-Insured Health Benefits (NIHB) Program.	Hearing aids	Health Canada for First Nations Yukon Workers' Compensation Health and Safety Board for workers Up to $600 for one hearing aid for seniors on Pharmacare through the Yukon Health Care Insurance Plan Chronic Diseases for children under age 16 Blue Cross Health Insurance for military veterans

Province/Territory
- Ontario
- Quebec
- British Colombia
- Alberta
- Saskatchewan
- Manitoba
- Atlantic provinces
- Northwest Territories/Nunavut
- Yukon
Who would be covered
- All residents.
- - The state covers all children below 11 years of age who have a hearing impairment.
  - Additionally, all teens between ages 12-18 years who have a hearing defect of more than 25 decibels in one ear are covered.
  - Students that are studying for a diploma, certificate, or degree from a recognized University and who are aged 19-25 years with a hearing defect of more than 25 decibels in at least one ear.
  - All residents aged above 19 years old with a hearing defect of at least 35 decibels in their better ear are covered.
  - Any person in the state with a hearing impairment affects their ability to work, study or socialize.
- - Residents with a workplace disability.
  - A parent who is hard of hearing.
  - Residents hard of hearing and are registered with Canadian National Institute for the blind.
  - Residents with hearing loss who provide sole care for an adult with cognitive impairment.
  - A dependent child whose family gets premium assistance through medical services plan.
- - Any child or teen below 18 years of age is covered.
  - Any student aged 18-24 years and is on a full-time program in a recognized college or University.
  - Residents aged 65 years or older-either you, your spouse, or an adult dependant have hearing loss.
  - Residents aged 18-64, with a low income.
- Residents are covered under Supplementary Health Benefits and Family Health Benefits.
- Children and teens under 18 years.
- - Students up to age 21 (in all Atlantic provinces)
  - Children under 18 in Newfoundland and Labrador
  - Adults in financial need in Newfoundland and Labrador
- - Non-Aboriginal seniors
  - First Nations people eligible for the Non-Insured Health Benefits Program
- - Children under age 16 with chronic diseases
  - Military veterans
  - Seniors on Pharmacare
  - First Nations people eligible for the Non-Insured Health Benefits (NIHB) Program.
What could be covered
- - Hearing aids
  - FM systems
  - Cochlear implant replacement speech processors
  - Replacement of BAHA sound processors with abutments
  - Printing teletypewriters
  - Non-printing teletypewriters
  - Message-signaling devices
- - Hearing aids
  - Hearing aid replacements and repairs
  - Adapted alarm clocks
  - Telephone amplifiers
  - Teletypewriters
- - Hearing instruments.
  - Cochlear implants and repairs.
  - Bone-anchored hearing aids.
- Hearing aids, replacements, and repairs.
- - Hearing aids.
  - Hearing tests
  - .A lost or broken hearing aid.
- - Hearing aids
  - Dispensing fees
  - Earmolds
  - Ear impressions
- Hearing devices
- Hearing aids and repairs
- Hearing aids
How much could be covered
- The state covers ¾ of the cost of the hearing aids up to the set maximum coverage.
- Complete coverage for these items for residents hearing loss of a certain decibel.
- The total cost for the devices.
- - Alberta Aids to Daily Living pays 75% of the cost of hearing aids worth up to a maximum of $1200.
  - Residents get coverage for up to two hearing aids every five years. Seniors with high incomes get coverage for one hearing aid every five years
- - Audiology services, hearing aids, and certain supplies.
  - The state covers 30% of the cost incurred in replacing a lost or broken hearing aid for residents aged over 20 years.
- - 80% of the cost of these items under the Children's Hearing Aid Program
  - Hearing aids to a maximum of $500 per ear
- - Students are eligible for special audiology care and a price discount on hearing devices through the Atlantic Provinces Special Education Authority (APSEA) program.
  - Children, full-time students, and adults with low incomes could get hearing aids under Newfoundland and Labrador's Provincial Hearing Aid Program (PHAP)
  - All Prince Edward Islanders could get free hearing assessments
- - First Nations people get up to $575 for hearing aids and $125 for specific repairs
  - Full hearing aids coverage for non-Aboriginal seniors through the Extended Health Benefits for Seniors Program
- - Health Canada for First Nations
  - Yukon Workers' Compensation Health and Safety Board for workers
  - Up to $600 for one hearing aid for seniors on Pharmacare through the Yukon Health Care Insurance Plan
  - Chronic Diseases for children under age 16
  - Blue Cross Health Insurance for military veterans