Does Blue Cross Blue Shield Cover Hearing Aids?
- Some Anthem Blue Cross Blue Shield Medicare Advantage plans cover hearing aids, but costs, coverage limits and other factors can vary depending on where you live. Learn how to find a local Anthem BCBS plan that covers your hearing aids.
One in three adults between ages 65 and 74 have some level of hearing loss, while about half of those over the age of 75 do. For those who struggle to hear as well as they once did, hearing aids can help.
Anthem Blue Cross Blue Shield is part of a group of Blue branded affiliates and different health insurance companies sometimes referred to as the Anthem family of brands.
Some Anthem Blue Cross Blue Shield Medicare Advantage (Medicare Part C) plans include routine hearing coverage and may help cover the costs of hearing aids.
When Do Blue Cross Blue Shield Medicare Advantage Plans Pay for Hearing Aids?
Some Anthem BCBS Medicare Advantage plans may give beneficiaries the option of adding supplemental coverage that could help cover hearing aids and other necessary medical devices. Some Medicare Advantage plans may cover things like hearing testing or visits to an audiologist but might cover the hearing aids themselves.
According to the Kaiser Family Foundation, 98% of Medicare Advantage plans covered hearing benefits in 2024, which often includes some type of hearing aid coverage.
Which Blue Cross Blue Shield Plans Cover Hearing Aids?
The Blue Cross Blue Shield insurance plans available vary based on where you live. Stand-alone hearing plans that may cover hearing aids also vary based on location.
The easiest way to determine which plans will provide full or partial coverage for hearing aids is to research the options in your area. You may need to read each plan's coverage in detail, or you may be able to find a comprehensive listing by plan online.
How Much Does a Hearing Aid Cost Out-Of-Pocket?
Without insurance coverage, hearing aids can cost up to several thousand dollars. The high costs are one of the reasons many insurance companies don't cover them.
However, a few options are available to help you pay for hearing aids or reduce associated costs if your Blue Cross Blue Shield insurance doesn't cover them. These include:
- Shopping around for deals
- Comparing bundled (all-inclusive) and unbundled hearing aid packages
- Check online for deals
- Consider purchasing supplemental insurance coverage
- Choose a basic, more affordable model
- See if any organizations you're a member of offer discounts
- See if military, first responder, and other discounts are available (if applicable)
Are Hearing Aids Tax Deductible?
Yes, hearing aids can be tax deductible if you itemize your medical expenses, as they do count toward these costs. However, your medical expenses must be at least 7.5% of your adjusted income to receive any deductions or money back. Many medical expenses are eligible for itemization.
However, there is a limit to the medical expense deduction you're allowed. This amount varies based on your total income and other considerations, so it's essential to work with a tax professional if you plan on itemizing these costs.
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