Does Humana Cover Hearing Aids?

If you have a Humana insurance plan and are experiencing hearing loss, you may be wondering: does Humana cover hearing aids? The answer depends on your specific plan. Many Humana Medicare Advantage plans include hearing aid benefits — typically through a partnership with TruHearing — that can significantly reduce your out-of-pocket costs for devices and follow-up care.

The amount Humana pays toward hearing aids varies by plan and benefit year. Through TruHearing, most Humana Medicare Advantage members choose from three technology tiers:

• Basic tier: Entry-level devices, typically available at the lowest co-pay or sometimes at no additional cost
• Standard tier: Mid-range technology with more features, at a moderate co-pay per device
• Premium tier: Advanced devices with the most features, at a higher co-pay — often up to $999 per ear

The hearing benefit typically covers one set of hearing aids every year, though some plans allow a new benefit every two or three years. Your annual allowance resets each January 1, so it is worth reviewing your Humana hearing aid coverage at the start of each benefit year to make the most of your allowance before it expires.

Humana Gold Plus HMO is one of the most popular Humana Medicare Advantage plans and frequently includes a hearing benefit. For 2025, many Gold Plus plans provide a per-device co-pay through TruHearing and include up to three follow-up adjustment visits at no additional cost.

Coverage amounts, eligible models, and co-pay levels change annually — always confirm the current details with Humana or a TruHearing representative before scheduling your appointment. If you are not yet enrolled in a Gold Plus plan, the Annual Enrollment Period (October 15 – December 7) is the window to switch plans and gain access to hearing benefits starting January 1 of the following year.

Once you have confirmed your Humana hearing aid benefits, the next step is finding a licensed audiologist or hearing specialist near you. Humana members have access to a network of qualified providers ready to guide you through your hearing evaluation and help you find the right solution.

Use the provider locator tool at TruHearing.com, call the number on your Humana member card, or contact a participating hearing center in your area to schedule your appointment and make the most of your hearing benefit allowance.

Original Medicare (Parts A and B) does not cover hearing aids or routine hearing exams. Humana Medicare Advantage plans — also called Part C plans — often include hearing coverage as a supplemental benefit that standard Medicare does not offer.

Humana Medicare Advantage comes in two main types, each with different hearing benefit structures:

• HMO plans (e.g., Humana Gold Plus HMO): Require you to use in-network providers such as TruHearing-affiliated audiologists. The benefit is typically structured as a fixed co-pay per device.
• PPO plans: Offer more flexibility to see out-of-network providers, though in-network visits cost less. Some PPO plans include a hearing allowance or partial reimbursement for out-of-network purchases.

If you are enrolled in a Humana Medicare Advantage plan, your hearing benefit may include an annual hearing exam, a set allowance or fixed co-pay toward hearing aids, and follow-up care visits. Benefits vary by plan and zip code. You can compare and switch plans during the Annual Enrollment Period (October 15 – December 7) for coverage starting January 1.

Hearing aid coverage varies significantly by insurance type. While Original Medicare excludes hearing aids, several other plans do cover them:

• Medicare Advantage (Part C): Many plans, including Humana, include a hearing benefit
• Medicaid: Covers hearing aids in most U.S. states for qualifying members
• TRICARE: Covers hearing aids for active-duty military personnel and eligible dependents — not available to civilian seniors
• Employer-sponsored health plans: Some include hearing aid benefits, particularly for union members
• Supplemental hearing insurance: Stand-alone hearing insurance plans are available for individuals not covered through other programs

If you are unsure about your coverage, contact your insurer or consult a hearing care professional who can help verify your benefits before your visit.

Seniors on Medicare are the group most affected by the lack of hearing aid coverage in Original Medicare, and Humana Medicare Advantage plans are specifically designed to fill that gap. Most Humana Advantage plans available to Medicare-eligible seniors include a hearing benefit with access to TruHearing’s network of audiologists and discounted devices.

For seniors on a fixed income, the Humana Gold Plus HMO is often the most cost-effective option: it typically offers a per-device co-pay through TruHearing, meaning the plan absorbs most of the device cost. More advanced plans may offer a higher allowance and access to premium technology tiers.

If you are a senior who has noticed changes in your hearing — difficulty following conversations, frequently asking people to repeat themselves, or turning up the TV volume — do not wait. You can book a free hearing test at a Miracle-Ear center near you to understand your hearing health before deciding on a plan.

If you purchased hearing aids from an out-of-network provider and your Humana plan includes an out-of-network reimbursement benefit, you may be able to recoup part of the cost by submitting a hearing aid claim form.

To request reimbursement from Humana:

1. Log in to MyHumana.com and navigate to Claims & Accounts, or call member services to request a hearing aid claim form
2. Complete the form with your member ID, provider details, and device information
3. Attach your itemized receipt and a copy of your audiologist’s prescription or hearing evaluation
4. Submit the form by mail or upload it through your member portal

Reimbursement amounts are subject to your plan’s out-of-network benefit limits and may be significantly lower than the in-network co-pay. For most members, using a TruHearing in-network provider will result in lower out-of-pocket costs than purchasing out-of-network and submitting for reimbursement.