Figure 1

Medicare Advantage hearing aid benefits by state, 2026

Values count plan segments filed with CMS in each state, not people.

75%≤ 87%≤ 93.7%≤ 97.3%≤ 100%

Not in this file

AlabamaAL

Plan segments: 98
Include hearing aids (%): 100%
Median lowest copay per aid (USD): $399
Segments reporting a copay (n): 95

Cap applies to: Per ear
Cap period: Every year
Median cap, main cap type (USD): $500
Segments with that cap type (n): 12

Cap applies to: Both ears combined
Cap period: Every two years
Median cap, main cap type (USD): $2,200
Segments with that cap type (n): 7

Medicare Advantage hearing aid benefits by state, 2026

AL	98	100	Per ear	Every year	500	12	399	95
AL	98	100	Both ears combined	Every two years	2200	7	399	95
AR	91	98.9	Per ear	Every year	500	25	199	87
AR	91	98.9	Both ears combined	Every two years	1500	5	199	87
AR	91	98.9	Both ears combined	Every three years	1000	3	199	87
AZ	133	98.5	Per ear	Every year	1000	18	199	117
AZ	133	98.5	Both ears combined	Every year	1500	15	199	117
AZ	133	98.5	Both ears combined	Every two years	2700	6	199	117
AZ	133	98.5	Both ears combined	Other, Describe	1900	3	199	117
CA	402	76.1	Per ear	Every year	600	54	199	251
CA	402	76.1	Both ears combined	Every year	3000	53	199	251
CA	402	76.1	Both ears combined	Every two years	1500	10	199	251
CA	402	76.1	Both ears combined	Every three years	4000	5	199	251
CA	402	76.1	Per ear	Every three years	1000	5	199	251
CO	107	96.3	Per ear	Every year	1250	13	199	79
CO	107	96.3	Per ear	Every two years	550	11	199	79
CO	107	96.3	Both ears combined	Every year	500	7	199	79
CO	107	96.3	Both ears combined	Every two years	2100	6	199	79
CO	107	96.3	Both ears combined	Every three years	1500	2	199	79
CT	47	76.6	Both ears combined	Every year	2000	8	0	33
CT	47	76.6	Both ears combined	Every two years	2200	4	0	33
CT	47	76.6	Per ear	Every year	1000	3	0	33
CT	47	76.6	Both ears combined	Every three years	3000	1	0	33
DC	20	90	Per ear	Every three years	1000	4	299	14
DC	20	90	Per ear	Every year	500	3	299	14
DC	20	90	Both ears combined	Every two years	1850	2	299	14
DE	37	97.3	Per ear	Every year	500	9	199	32
DE	37	97.3	Both ears combined	Every year	500	3	199	32
DE	37	97.3	Both ears combined	Every three years	1400	2	199	32
DE	37	97.3	Both ears combined	Every two years	2200	2	199	32
FL	611	99.2	Per ear	Every year	1000	199	0	533
FL	611	99.2	Both ears combined	Every year	2000	93	0	533
FL	611	99.2	Both ears combined	Every two years	2000	33	0	533
FL	611	99.2	Both ears combined	Every three years	1000	20	0	533
FL	611	99.2	Per ear	Every two years	1250	5	0	533
FL	611	99.2	Per ear	Every three years	1050	4	0	533
GA	166	94	Per ear	Every year	500	45	199	145
GA	166	94	Both ears combined	Every two years	2200	12	199	145
GA	166	94	Both ears combined	Every year	2000	8	199	145
GA	166	94	Per ear	Every three years	1000	3	199	145
HI	44	75	Per ear	Every year	500	1	299	33
IA	73	86.3	Per ear	Every year	1250	14	199	52
IA	73	86.3	Both ears combined	Every two years	1500	6	199	52
IA	73	86.3	Both ears combined	Every year	2000	6	199	52
ID	48	100	Both ears combined	Every two years	1500	3	499	44
ID	48	100	Per ear	Every year	500	1	499	44
IL	160	97.5	Per ear	Every year	500	42	199	135
IL	160	97.5	Both ears combined	Every two years	1000	14	199	135
IL	160	97.5	Per ear	Every three years	750	7	199	135
IN	127	100	Both ears combined	Every year	2000	20	199	121
IN	127	100	Per ear	Every year	750	19	199	121
IN	127	100	Both ears combined	Every two years	2100	8	199	121
IN	127	100	Per ear	Every three years	750	8	199	121
KS	87	96.6	Per ear	Every year	875	30	199	84
KS	87	96.6	Both ears combined	Every two years	2200	5	199	84
KS	87	96.6	Both ears combined	Every year	2500	1	199	84
KY	114	100	Per ear	Every year	1000	21	199	106
KY	114	100	Both ears combined	Every year	2000	12	199	106
KY	114	100	Both ears combined	Every two years	2200	7	199	106
LA	111	100	Per ear	Every year	500	29	99	95
LA	111	100	Both ears combined	Every three years	800	16	99	95
LA	111	100	Both ears combined	Every two years	2200	5	99	95
LA	111	100	Both ears combined	Every year	2250	4	99	95
MA	103	81.6					250	84
MD	63	93.7	Per ear	Every three years	1000	11	399	37
MD	63	93.7	Both ears combined	Every two years	1750	8	399	37
MD	63	93.7	Both ears combined	Every three years	1350	3	399	37
MD	63	93.7	Both ears combined	Every year	1450	2	399	37
MD	63	93.7	Per ear	Every year	875	2	399	37
ME	52	100	Per ear	Every year	500	18	0	44
ME	52	100	Both ears combined	Every two years	2200	5	0	44
ME	52	100	Both ears combined	Every year	2000	5	0	44
MI	192	92.2	Per ear	Every year	1000	23	295	163
MI	192	92.2	Per ear	Every three years	750	8	295	163
MI	192	92.2	Both ears combined	Every two years	2200	7	295	163
MI	192	92.2	Both ears combined	Every year	1000	3	295	163
MI	192	92.2	Both ears combined	Every three years	2500	1	295	163
MN	84	86.9	Per ear	Every year	625	10	549	67
MN	84	86.9	Both ears combined	Every two years	1375	4	549	67
MN	84	86.9	Both ears combined	Every year	750	2	549	67
MO	157	100	Per ear	Every year	1250	46	199	142
MO	157	100	Both ears combined	Every two years	1500	15	199	142
MO	157	100	Both ears combined	Every year	3000	9	199	142
MO	157	100	Per ear	Every two years	1150	3	199	142
MS	93	100	Per ear	Every year	500	25	0	90
MS	93	100	Both ears combined	Every two years	2500	5	0	90
MS	93	100	Per ear	Every three years	750	5	0	90
MS	93	100	Both ears combined	Every year	1950	1	0	90
MT	32	100	Both ears combined	Every two years	1500	3	699	32
NC	175	96.6	Per ear	Every year	1250	28	199	154
NC	175	96.6	Both ears combined	Every two years	2200	11	199	154
NC	175	96.6	Both ears combined	Every year	2000	3	199	154
NC	175	96.6	Both ears combined	Every three years	2250	2	199	154
ND	29	96.6	Both ears combined	Every year	2000	5	549	20
ND	29	96.6	Per ear	Every year	650	5	549	20
ND	29	96.6	Both ears combined	Every two years	2500	1	549	20
NE	54	100	Per ear	Every year	1250	15	295	50
NE	54	100	Both ears combined	Every two years	1500	3	295	50
NE	54	100	Both ears combined	Every year	2000	2	295	50
NH	19	94.7	Both ears combined	Every two years	1500	3	199	18
NJ	85	85.9	Both ears combined	Every two years	2200	3	199	71
NJ	85	85.9	Per ear	Every year	750	2	199	71
NJ	85	85.9	Both ears combined	Every year	2000	1	199	71
NM	73	97.3	Both ears combined	Every two years	2000	7	399	66
NM	73	97.3	Both ears combined	Every year	2000	2	399	66
NM	73	97.3	Both ears combined	Every three years	2000	1	399	66
NV	105	96.2	Per ear	Every year	1000	29	149	94
NV	105	96.2	Both ears combined	Every year	3000	11	149	94
NV	105	96.2	Both ears combined	Every two years	2200	5	149	94
NY	218	92.2	Per ear	Every year	500	26	0	171
NY	218	92.2	Both ears combined	Every year	2000	14	0	171
NY	218	92.2	Both ears combined	Every three years	2400	10	0	171
NY	218	92.2	Both ears combined	Every two years	1850	10	0	171
NY	218	92.2	Per ear	Every three years	750	3	0	171
NY	218	92.2	One single ear	Every three years	500	1	0	171
NY	218	92.2	Per ear	Every two years	375	1	0	171
OH	212	98.6	Per ear	Every year	1250	35	199	201
OH	212	98.6	Both ears combined	Every year	3000	17	199	201
OH	212	98.6	Per ear	Every three years	750	5	199	201
OH	212	98.6	Both ears combined	Every two years	2100	4	199	201
OK	82	100	Per ear	Every year	1000	11	199	69
OK	82	100	Both ears combined	Every two years	500	8	199	69
OK	82	100	Both ears combined	Every year	1000	8	199	69
OR	103	89.3	Per ear	Every year	500	19	499	82
OR	103	89.3	Both ears combined	Every year	1500	7	499	82
OR	103	89.3	Both ears combined	Every two years	2000	6	499	82
PA	332	97.3	Per ear	Every year	500	45	499	306
PA	332	97.3	Both ears combined	Every year	500	44	499	306
PA	332	97.3	Both ears combined	Every two years	2000	8	499	306
PA	332	97.3	Per ear	Every three years	1250	7	499	306
PA	332	97.3	Both ears combined	Every month	100	2	499	306
PA	332	97.3	Both ears combined	Every three years	2000	2	499	306
PR	63	90.5	Both ears combined	Every year	500	38		0
PR	63	90.5	Both ears combined	Every three years	1250	15		0
PR	63	90.5	Per ear	Every year	1000	4		0
RI	23	87	Both ears combined	Every two years	2200	4	199	19
RI	23	87	Per ear	Every year	1000	1	199	19
SC	95	97.9	Per ear	Every year	1250	21	199	87
SC	95	97.9	Both ears combined	Every two years	2200	4	199	87
SC	95	97.9	Both ears combined	Every year	2000	3	199	87
SC	95	97.9	Both ears combined	Every three years	2500	1	199	87
SD	27	88.9	Per ear	Every year	1250	5	549	20
SD	27	88.9	Both ears combined	Every year	1400	4	549	20
SD	27	88.9	Both ears combined	Every two years	1850	2	549	20
TN	132	100	Per ear	Every year	1250	15	199	125
TN	132	100	Both ears combined	Every year	3000	11	199	125
TN	132	100	Per ear	Every three years	750	7	199	125
TN	132	100	Both ears combined	Every two years	3200	5	199	125
TX	423	97.2	Per ear	Every year	600	93	199	372
TX	423	97.2	Both ears combined	Every year	3000	34	199	372
TX	423	97.2	Both ears combined	Every two years	2100	16	199	372
TX	423	97.2	Both ears combined	Every three years	1000	14	199	372
TX	423	97.2	Per ear	Every three years	750	3	199	372
TX	423	97.2	Both ears combined	Every three months	150	1	199	372
UT	55	100	Per ear	Every year	1000	8	199	52
UT	55	100	Both ears combined	Every two years	2200	3	199	52
VA	143	95.8	Both ears combined	Every year	2000	19	199	126
VA	143	95.8	Per ear	Every year	1000	13	199	126
VA	143	95.8	Both ears combined	Every two years	2200	7	199	126
VA	143	95.8	Per ear	Every three years	1000	7	199	126
VT	3	100					699	3
WA	126	84.1	Per ear	Every year	500	18	199	99
WA	126	84.1	Both ears combined	Every two years	2200	12	199	99
WA	126	84.1	Both ears combined	Every year	2250	4	199	99
WI	121	93.4	Both ears combined	Every two years	1500	19	199	87
WI	121	93.4	Per ear	Every year	500	14	199	87
WI	121	93.4	Both ears combined	Every year	1375	12	199	87
WI	121	93.4	Both ears combined	Every three years	2000	2	199	87
WV	69	98.6	Both ears combined	Every year	500	15	399	65
WV	69	98.6	Per ear	Every year	500	9	399	65
WV	69	98.6	Both ears combined	Every two years	2200	3	399	65
WY	14	100	Both ears combined	Every two years	1500	3	199	11
WY	14	100	Per ear	Every year	650	3	199	11

How to read these numbers (3)

No population or enrollment weighting; a plan's service state is not proof of where its members live.
A reported minimum zero copay is not a universal free test or free device promise.
Empty cells retain not-reported status; no imputation to zero.

Source:

CMS, Plan Benefit Package files, contract year 2026

How many Medicare Advantage plans include hearing aids

Original Medicare does not pay for hearing aids. Medicare Advantage plans can add them as a supplemental benefit, and in 2026 almost all do. We counted the CMS 2026 Plan Benefit Package files by contract-plan segment, leaving out employer-only plans, PACE and optional supplemental packages:

5,599 plan segments in the national count.
94.6% of them list prescription hearing aids as a mandatory supplemental benefit, meaning the benefit comes with the plan for every member rather than as a paid add-on.

The share moves by service state. It reaches 100.0% in several states, including Alabama, Idaho and Montana. It is lowest in Hawaii at 75.0% of 44 segments, California at 76.1% of 402 and Connecticut at 76.6% of 47. A plan without the mandatory benefit may still sell hearing coverage as an optional package, which this count does not include.

What the plan pays: a cap tied to ears and to a period

A hearing aid benefit is a ceiling on what the plan pays, not the price of a device. CMS records three parts for each cap: the amount, whether it applies per ear or to both ears combined, and how often it renews. Our state table keeps those parts together and shows how many plan segments sit behind each median.

Florida, with 611 segments, shows how far the same state can spread:

Per ear, every year: median cap $1,000, from 199 segments.
Both ears combined, every year: median $2,000, from 93 segments.
Both ears combined, every two years: median $2,000, from 33 segments.
Both ears combined, every three years: median $1,000, from 20 segments.

The first and last lines carry the same median and very different value: one pays toward each ear every year, the other pays once for both ears over three years. Texas shows the same pattern with other amounts: a $600 median per ear every year from 93 segments, and a $3,000 median for both ears every year from 34 segments.

Per ear or both ears: read the basis before the amount

Most caps in the table fall into two bases. A per-ear cap applies to each hearing aid; a both-ears cap is one amount for the pair. A few plans use a third basis: in New York, one plan segment caps a single ear at $500 every three years.

The basis changes what a dollar figure means. Pennsylvania lists a $500 median for per-ear caps every year (45 segments) and the same $500 median for both-ears caps every year (44 segments). Same amount, but the first applies to each aid and the second must cover the pair.

Compare two plans only on the same basis and the same period. Moving a per-ear cap into a both-ears figure, or spreading a three-year cap over single years, produces a number neither plan publishes.

Short and unusual periods

Some caps renew on cycles far shorter than a year, and a few use a period CMS does not standardize:

Pennsylvania: a $100 median cap for both ears renewed every month, from 2 segments.
Texas: a $150 cap for both ears renewed every three months, from 1 segment.
Arizona: a $1,900 median for both ears with the period coded "Other, Describe", from 3 segments.

We show these rows as filed. A monthly or quarterly cap is not converted into a yearly amount: the filing states the cap per period, not what a member can draw in a year. The "Other, Describe" code carries a free-text period that the summary files do not resolve, so the Arizona median is not comparable with the yearly or multi-year caps until that text is read plan by plan.

What you pay per hearing aid: reported copays

Plans also file a copay per hearing aid, often by technology tier. Our table shows the median of each plan's lowest reported per-aid copay, and the number of segments that report one.

$199 is the most common state median.
$0 in Florida, from 533 reporting segments, and in New York, from 171.
$499 in Pennsylvania, from 306 segments.
$699 in Montana and Vermont, the highest state medians.
Puerto Rico: 63 segments and no reported minimum copay value, so no median is shown.

A minimum is the entry tier. A plan with a $0 minimum can charge more for a higher tier, and a plan can file a copay, a cap or both: read both lines in its Evidence of Coverage. A blank copay cell means the filing reports no value; we do not read it as $0.

What these CMS statistics leave out

The table describes plan filings, and five limits come with that:

Plans, not people. Each segment counts once, whatever its enrollment.
Service state, not your county. A multi-state plan appears in every state it serves, so state rows cannot be added together, and a state row does not mean every plan is offered where you live.
Optional packages excluded. Hearing coverage sold as a paid add-on is outside the count.
Employer-only plans and PACE excluded.
No network or vendor detail. The filings used here do not show which hearing aid brands, clinics or administrators a plan uses.

Searching for Nations hearing aids? Your plan's own documents decide whether you must use NationsHearing and what you pay there; the CMS filings above do not name it. One written example comes from outside Medicare. In the Michigan courts' 2026 comparison of employee health plans, one HMO option covers hearing aids "through a NationsHearing provider only," with a copay "based on type of Hearing Aid" and a limit of 1 aid per ear per plan year. That is an employer plan, not Medicare Advantage, so its terms do not carry over to yours.

For a plan you already have, its Evidence of Coverage lists the cap, the ear basis, the period, the copay tiers and the providers you must use. This page gives information only and does not recommend or compare named plans for enrollment.

Frequently asked questions

How much will Medicare Advantage pay for hearing aids?

Up to the plan's cap, which depends on the ear basis and the period. In Florida's 2026 filings, the median cap is $1,000 per ear every year (199 segments) and $2,000 for both ears every year (93 segments). In Texas, the median is $600 per ear every year. You pay any copay the plan files and any amount above the cap.

Does Medicare pay for hearing aids in 2026?

Original Medicare does not. Medicare Advantage plans can: in 2026 CMS plan data, 94.6% of 5,599 plan segments include prescription hearing aids as a mandatory supplemental benefit. Each plan sets its own cap, period and copay, listed in its Evidence of Coverage.

How much does Medicare pay for hearing aids in 2026?

Original Medicare pays nothing toward hearing aids. A Medicare Advantage plan pays up to its own cap: in California's 2026 filings, the median is $600 per ear every year (54 segments) and $3,000 for both ears every year (53 segments). The cap is the plan's maximum payment, not the price of the device.

Sources

Counts and medians come from the CMS 2026 Plan Benefit Package files, by contract-plan segment and service state, excluding employer-only plans, PACE and optional supplemental packages, and not weighted by enrollment. Caps keep their ear basis and period as filed; periods coded "Other, Describe" are shown but not compared. A blank cell means no reported value, not $0.

Cost and coverage research team Methodology

Cost and coverage research, not medical advice. This page gives information only and does not recommend a Medicare Advantage plan; confirm benefits in your plan's Evidence of Coverage.