Will My Insurance Pay for Hearing Aids in
Washington State?

patient and audiologist looking at hearing aid options

If you have an employer-paid plan, or you buy your coverage on the Washington State Health Benefits Exchange (Obamacare, or the ACA), you may be trying to figure out if your insurance will pay for all or part of your hearing aids. We understand how confusing it is. That’s why we’re in regular contact with the Office of the Insurance Commissioner and the Washington State Healthcare Authority, asking questions so that we can help you.

While we can’t speak to your specific situation — we recommend that you call your insurance company — here’s an explanation that might help you make sense of the confusing landscape of hearing aid insurance in Washington state.

If your employer pays for your health insurance

If your employer buys insurance plans for you, House Bill 1222 requires hearing aid coverage to be included for some people, including state employees covered under the Public Employees Benefits Board, school and higher education employees, and some large companies that are not self-insured.

However.

Employers can self-fund their health plans, meaning they pay for employee health benefits directly rather than purchasing insurance from an insurance company. These are called self-insured plans. Most city and county employee plans are self-insured. Many large companies are also self-insured.

While some states, like Washington State, require insurance companies to cover hearing aids, this requirement doesn’t apply to self-insured plans or small-group grandfathered plans. Some self-insured plans do cover hearing aids, and some do not. Be sure to ask.

If you buy your own health insurance

Beginning January 1, 2026, most individual healthcare plans in Washington State will also be required to cover hearing aids. These are the plans that you buy on the Washington State Health Benefit Exchange.

Thanks to the passage of Senate Bill 5338 in 2023, Washington State’s Essential Health Benefits will include hearing aids for non-grandfathered plans. The $3,000 limit may also be lifted. Stay tuned!

Washington State Medicaid (Apple Health)

Washington State Medicaid (Apple Health) does pay for hearing aids for children and adults, though there are some limitations.

Adults must meet certain requirements, such as a specific decibel loss, to qualify for a hearing aid. Apple Health Expansion members are not covered for hearing aids, cochlear implants, or BAHA exams. Some levels of Apple Health, including A01, A05, and A24, have more limited hearing aid coverage.

To receive two hearing aids for adults on Apple Health, there are more requirements, including preauthorization and a trial period with one hearing aid.

Cochlear implants and cochlear processor upgrades may be covered for adults and children on Washington State Apple Health (Medicaid), when “medically necessary.”

While it’s very technical and geared toward providers, this Apple Health billing guide from the Washington State Healthcare Authority may clarify your situation. Apple Health recipients can also contact their Community Services Office with questions. Be sure to check back regularly, as funding priorities and legislation can change.

Medicare and the Veterans Administration

Medicare doesn’t pay for hearing aids, though Medicare may pay for a cochlear implant if you qualify. Many Medicare Advantage plans pay all or part of the cost of some hearing aids.

The Veterans Administration covers many hearing aids for veterans; check to see if one works for you.

More ways to pay for hearing aids

Need more information on paying for hearing aids? Check out our most popular webpage, Financial Help for Hearing Aids, which includes ideas for finding more affordable hearing aids, government assistance, loans, and more.


If you need more help navigating the insurance maze, try this list of helpful agencies and services — scroll down to find your county. King County residents can find help at Community Living Connections.

Caption Glasses, Controlling our Voice Volume, and More:
September 2025 HOPE Notes

This month, the HOPE team and participants talked about caption glasses, volume challenges when we’re talking, self-advocacy, and more.

For more information on our free, online HOPE program to help people with hearing loss, visit our HOPE page.

Register directly for our October HOPE meeting here.

Hearing Access in Healthcare Settings

One participant shared experiences in the ER, then being admitted to the hospital this summer.

Fortunately, she remembered to bring her CI chargers. However, she didn’t have a hospital kit. She asked the nurse for a large piece of paper, where she wrote “I am hard of hearing, please face me when you speak. Speak slowly and clearly. I’m deaf at night when I charge my CI processors.” The nurse saw the sign and expressed appreciation, then made more copies, placing one by the window, one by the board, and one by the computer.

(You can get clear masks that allow for speech-reading here.)

How To Tell if Your Voice is Too Loud (or Soft)

A participant noted that sometimes her friends mention that her voice is too loud. Another person said she’s told she speaks too softly, perhaps overcompensating from being too loud in the past.

Are there ways to modulate your voice when you have a hearing loss?

Participants said they ask friends and family to give a hand-sign of sorts, like tugging on an ear, if they’re too loud or soft. For example, one says, “I sometimes talk too loud, but I don’t know it. Can you give me a sign if I am doing so?”

Another said she reminds herself that speech volume is a learning process, and she forgives herself and remembers to be patient. She apologizes if she’s too loud, but doesn’t beat herself up over it.

Cochlear Implants and MRIs

One participant who has cochlear implants had her scalp burned after receiving an MRI. Depending on the type of CI you have, you may need a different type of MRI machine in order to be safe. She needed a 1.5 model MRI machine, which on one occasion, was not used, and she was harmed–though she is OK now. They wrapped her head in order to keep the magnet from flipping, but she couldn’t hear anything when that happened, and she felt like a Civil War patient.

She said many people with CIs fear MRIs and have been told to not have them. Her research shows that in some cases, MRIs may be done safely if they’re done correctly. Other participants mentioned they were told they never could have an MRI once they got CIs.

Her experience has prompted her to become an advocate for others with hearing loss in healthcare settings.

Caption Glasses: Captify

A participant bought Captify caption glasses and says they work great when you’re looking at one person, like in conversation. The glasses caption both sides of the conversation. You have to switch your attention between faces and the captions. This attention-switching is easier than looking down or away at a tablet. Prescription lens compatibility is available. She’s wondering how the caption glasses will work during Thanksgiving, when there will be lots of competing voices.

More and more companies are interested in caption glasses, and several brands are currently available.

Hearing Access at a Hotel Event

One participant shared her experience with no hearing access at a 400-person event at a hotel. There was no assistive listening system. She used her caption glasses, which worked part of the time, but neither her glasses nor her hearing/hearing aid could pick up audience questions because there was no mic.

After the event, she introduced herself to the event planner. She explained to her that she often calls herself “Deaf” rather than “hard of hearing” because when she says “hard of hearing,” people tend to yell, which makes things worse. She asked the event planner whether she’d thought to provide disability accommodations, and the planner said no, no one had asked–but that she’d take it under consideration next time.

The participant said that several people at the event asked her about her caption glasses.

This story is good example of how advocating for ourselves means we advocate for others, too.

Self-Advocacy When You Have a Hearing Loss

The group talked about how important self-advocacy is. Asking for what we need and taking charge of ourselves are vital tasks for us to thrive. We need to remember that we matter, that we’re worth it.

When we ask for accommodations, we can ask kindly and assertively. The worst they can say is “no,” but we can give them a suggestion and even talk with a manager. We may have to ask again and again and again for what we need, because so much communication behavior is unconscious.

Hearing Aids with Artificial Intelligence:
June 2025 HOPE Notes

This month, the HOPE team and participants talked about hearing aids with artificial intelligence, assistive listening systems that don’t work, caption glasses that DO work, and more.

For more information on our free, online HOPE program to help people with hearing loss, visit our HOPE page.

Hearing aids with AI and more tech talk at our final HOPE meeting before summer break.

Ready for a Cochlear Implant: Which Brand is Best?

One participant shared that he’s ready for a cochlear implant and asked if anyone had experience with Advanced Bionics. Another participant said that Advanced Bionics’ sister relationship with Phonak was an advantage, as Phonak is outstanding on connectivity options. Participants discussed bimodal solutions – one CI and one hearing aid – and how important it is to have those devices synced so you don’t hear out of only one side of your head.

Caption Glasses in Action: Yes, They Work!

One participant shared that she used caption glasses at an event, and they worked well, but it was still exhausting. It’s somewhat challenging to figure out where to look, how to get the transcription in the right place, and how to track conversations. But the participant was very happy that she could understand speech and be connected to the world.

Hearing Aids with AI?

A participant shared her positive experience with Phonak Sphere Infino hearing aids, which have an AI deep learning chip to help you hear in background noise. She’s also using the Lace AI Pro auditory training app to train her brain to hear in background noise. The Sphere Infinio hearing aids don’t come with a telecoil, so you can’t connect them wirelessly to hearing loop assistive listening systems; they are supposedly “Auracast ready,” however.

When Public Assistive Listening Systems Don’t Work

Three different assistive listening systems failed to work for one participant at an event at Hill Auditorium. She was told that the systems only worked in certain parts of the auditorium–but she wasn’t told where she should sit in order to use the systems. Another participant agreed that accessing assistive listening systems can require some steps, such as calling the venue to get tickets in the right place so you can hear or read captions, or both. Sometimes even with a neckloop, the signal isn’t strong enough. The burden shouldn’t be on people with hearing loss to speak up and to figure all this out, but it often is.

People with hearing loss can file complaints in these situations. It’s up to venues to make sure hearing assistance works--otherwise, it doesn’t qualify as hearing assistance.

When You Say You Have Hearing Loss But People Keep Talking Anyway

Sometimes, even when we tell people we have a hearing loss and can’t understand, they keep talking anyway. It’s kind of humorous, but also frustrating. It can be hard for people to understand hearing loss and the challenges that come with it if they haven’t experienced it themselves. When this happens, one option is to repeat, “I can’t hear you, I can’t hear you.”

At a doctor appointment, one participant experienced this and followed up with an email to her doctor, explaining that hearing accommodations are required. To help with medical appointments, a couple of participants take their smartphones, which have captioning–this helps a lot.

Note: This is our last HOPE meeting until September 2025. We encourage you to have a wonderful summer and join us at our annual picnic on July 12, 2025.

Summer Events, Hearing Aid Glasses, and More Hearing Loss News

Our June 10, 2025 news update

Washington State Hearing Loss News

You’re Invited to Our Community Picnic

Join us for our annual community potluck picnic on July 12, 2025, 11-3, at Lake Boren Park in Newcastle, Washington, not far from Bellevue. You’ll find us at the shelter by the tennis courts.

We’ll provide hot dogs, buns, chips, bottled water, ice, coffee, and condiments. You’re welcome to bring other proteins we’ll grill for you, plus your own drinks and goodies (6-8 servings) to share. If your last name begins with A-L, we encourage you to bring a side or salad, and M-Z folks can bring a dessert. We’ll eat around noon. Alcohol is not allowed in the park.

Special guests this year: Alex Alfieri and Bryan Greenway from the newly formed Northwest Academy of Audiology will join us for fun and conversation. We’re exploring joining forces with NWAA to help people with hearing loss get the best possible support — bring your thoughts and ideas.

A hearing loop in the shelter, games, and more fun await you as we celebrate our 35th birthday in the summer sunshine.

See you there!

faded photo of red-checked picnic basket and picnic table. text reads community picnic, july 12, 2025, 11-3, lake boren park, newcastle, wa

The John Waldo Bill Is Now a Law!

Governor Bob Ferguson (D-WA) has signed the John Waldo Act, the open-caption bill, SB 5486. We were pleased to be part of the signing ceremony in Olympia along with our friends and fellow advocates, including Echo Greenlee, Sen. Tina Orwall, Walt Bowen, and Karen Atwood.

Beginning January 1, 2026, many movie theaters will be required to have more open-captioned shows at peak times. Learn more about the new law in this blog post from Becky Montgomery.

Thank you to all who helped get this bill passed!

formal photo of people at governor's desk for bill signing. WA state flag and US flag in background

We’re Moving to Our Summer Publishing Schedule

Our e-news usually comes to you every other week. But for this summer, we’ll be publishing monthly on these dates:

  • July 8, 2025 – deadline for submissions: July 3
  • August 12, 2025 – deadline for submissions: August 7

Our regular schedule resumes September 9, 2025.

Your suggestions, news, events, and even your story ideas are welcome. And if you’d like to write a blog post about hearing loss, hearing access, or assistive technologies, even better.

Contact us at mailchimp@hearingloss-wa.org with your ideas.

graphic of newspaper and cool shades. text reads summer news schedule

A Gathering of Hearts, Minds, and Perspectives

A special kind of magic happens when people with similar experiences and challenges come together to share their stories. You can feel the connection, understanding, and support, and often learn a thing or two. This was certainly true when the hearing loss community gathered for the 2025 HLAA-Washington Annual Community Meeting, April 26 at Town Hall Seattle. There were also hugs, laughs, great conversations, people on Zoom, and for those attending in person, lots of food!

See more photos and read all the highlights. Thank you to all who participated.

montage of happy hugging laughing people

Seattle Is Amplified and So Is Our Voice

Check out this Visit Seattle guide. On page 14, in an article called “Seattle Amplified,” HLAA-WA President Cheri Perazzoli is quoted, and the guide shares hearing-friendly places in Seattle, like The Rep. And they also give a shout-out to HLAA-WA.

Thank you, Visit Seattle!

blue tinged seattle skyline and sky

News From HLAA-Northwest Washington

News from our friends up north, courtesy of HLAA-NWWA President Larry Wonnacott.

  • Mark your calendars for the annual Cracked Crab Dinner Cruise on August 16, 2025, at 5:45 pm. Forty spots are reserved on the Victoria Star. Let Larry Wonnacott know if you’d like to attend: lwonnacott@symmetryfunds.com
  • A celebration of life for Claydene Lederer, longtime hearing loss advocate and HLAA-NWWA leader, will be held on June 13, 2025, 7:00 pm at Christ the Servant Lutheran Church, the usual HLAA-NWWA meeting place.

Submissions Are Open for the Seattle Deaf Film Festival April 10-12, 2026

First, get excited about the Seattle Deaf Film Festival next spring and plan to attend in person at NW Film Forum in Seattle, or online.

Next, share the call for film submissions, which is now open.

purple-tinged drawing of astronaut helmet. text reads seattle deaf film festival 2026

National Hearing Loss News

Action Alert: Make Hearing Aid Battery Packaging Accessible

Hearing aid battery packaging has become nearly impossible to open, especially for seniors and for people with arthritis or other manual dexterity challenges.

While some packaging changes have made batteries more child-safe, many hearing aid packages are now impossible to open. People with hearing loss need to be able to access these batteries safely and quickly.

If you agree changes are needed, you can sign this petition, which aims to improve packaging standards for hearing aid batteries.

hand holding hearing aid

Reminder: Action Alert – Support Infant Hearing Screenings

The Early Hearing Detection and Intervention Act (EHDI) is in danger of losing funding. This crucial program has helped improve hearing screening rates for infants, increasing early intervention and treatment. Without this federal funding, states may not be able to afford the program, and babies may go undiagnosed.

Click here to send a message to your Congressional delegation to support EHDI and urge them to continue funding.

laughing baby on furry rug

Hearing Aid Glasses Are Coming.
Do They Work?

We often say that hearing aids aren’t like glasses. But can hearing aids be glasses?

In this Hearing Tracker video, Matthew Allsop looks at Nuance Audio EssilorLuxottica hearing glasses. Allsop looks at the research, which seems promising, then offers his thoughts on the pros and cons.

Hat tip to Carolyn Odio for this story.

woman with white hair and colorful blouse lowers eyeglasses, looks over them

Spotlight on Loops & Assistive Listening Systems

Auracast Is Appearing in More Places

We’ve been saying that loops are today’s technology, and Auracast may be tomorrow’s technology. But is tomorrow coming sooner than we thought?

Hearing loss advocate Stephen O. Frazier explains that Auracast is being used in more places, and he shares a list of hearing devices that have Auracast or are Auracast-ready. The Sydney Opera House now has Auracast, and Auracast is being tested locally — stay tuned for info on that.

Until Auracast is accessible to all, we’ll still need hearing loops, though. And there are thousands of loops around the world you can tune into now, today. Read more about loops and how to find them here in Washington State.

young man looks down hall, both hands holding headphones on ears

Hearing Loss Support Meetings & Hearing-Friendly Events

Get In-Person Support for Your Hearing Loss

  • June 13, 2025, Renton: Our in-person monthly support group meets the second Friday of the month at 1pm at the Renton Senior Activity Center, 211 Burnett Avenue North. The June meeting will not be looped, as the looped room is booked for a different event. The group will not meet in July or August, so we warmly encourage you to join us at our picnic on July 12, 2025.
  • June 20, 2025, Lacey: “Understanding Hearing Loss” with Heidi Crabtree and Carolyn Odio, 4:00 – 5:00 pm, 500 College St SE, Lacey. Free. Click here for the flyer.
  • June 21, 2025, Bellingham: HLAA-Northwest Washington Chapter monthly meeting. This month’s presentation is “All About the Buzz: Tinnitus Revisited” with Tracey Demmon, audiologist at Hearing Northwest. This chapter meets the third Saturday of the month, 9:30 – Noon, at Christ the Servant Church, 2600 Lakeway Drive, Bellingham, Washington. Looped and free.
graphic/photo, text reads hearing loss help, in-person support groups. photo is a woman with white hair and glasses smiling next to a waterfall

Toastmasters Online for People with Hearing Loss

Need a boost in confidence? Some friendly coaching to improve your speaking skills?

If so, you might like to join the Audible Talkers Toastmasters, which is specifically designed for people with hearing loss. This friendly group meets twice a month, online via Zoom, the first and third Mondays from 6-7:15 pm Arizona time. Their next meeting is June 16, 2025. Everyone is welcome.

Access the meeting at zoom.audibletalkerstoastmasters.com. Questions? Contact Christy Abrams (c.abrams@acdhh.az.gov) or Harry Wolfe (hwolfeaz@gmail.com).


black and white map of washington state with photos of people

Stay Involved with HLAA and HLAA-WA

We’re glad you’re part of our community.

What more can you do to support people with hearing loss?

HLAA-WA does not endorse any technology, nor does exclusion suggest disapproval. We support the full spectrum of hearing technologies for everyone. As an all-volunteer run organization, 100% of every dollar donated is directed to our programs. HLAA-WA is an IRS non-profit 501(c)(3) organization; all donations are tax-deductible as allowed by relevant IRS code.


Related Posts

Self-Advocacy for Your Hearing Loss:
May 2025 HOPE Notes

This month, the HOPE team and participants talked about self-advocacy in various settings, feeling isolated in groups, adapting to cochlear implants, and more.

For more information on our free, online HOPE program to help people with hearing loss, visit our HOPE page.

Self-Advocacy When You Have a Hearing Loss

One participant shared that even though she’s a “veteran” of dealing with her hearing loss, it’s still sometimes hard for her to ask for help hearing, even from a close friend. During a recent incident, this participant did eventually ask for help hearing her friend–and her friend was happy to solve the problem. One participant mentioned that others may not be motivated by ill intent–they may not want to hurt our feelings, and they may be afraid of saying or doing something wrong.

Other participants agreed that asking for clearer audio, requesting that someone repeat themselves, and so on can take an emotional toll, causing anxiety. Feeling left out and excluded is a very human experience. But participants reminded one another it’s not only OK to advocate for ourselves, it’s necessary. We are worthy of being able to hear!

An A-Z Guide to Hearing Loss

A comprehensive, updated guide to all things hearing loss is now available on our website. If you have suggestions the guide, let us know.

Adjusting to Cochlear Implants

One participant had her cochlear implant a few months ago, and now she’s having some facial twitching. Her audiologist is working to find the right setting–one setting reduced twitching but also reduced hearing.

Participants shared that it sometimes it takes a long time to adjust and adapt to a cochlear implant. At first, speech may sound like claps or robots. Other participants mentioned experiencing physical discomfort and some emotional strain. Sometimes people around us expect us to be able to hear perfectly immediately, but it takes time.

Some ways to help yourself adjust to a cochlear implant: listening to audiobooks, TED talks, or podcasts. Auditory training programs such as Angel Sounds or LACE can be a big help. We can also celebrate our small milestones and victories.

Hearing Loss Discrimination in the Workplace

A participant mentioned that they had been terminated after a supervisor repeatedly spoke softly and indirectly. The participant suspected that this was a hearing “test.” The participant was given unemployment insurance.

Other participants stressed the need to advocate for yourself in the workplace, while acknowledging that some people are just hard to deal with. This process of self-advocacy can take a long time, but it’s worth it.

Note: This is our last HOPE meeting until September 2025. We encourage you to have a wonderful summer and join us at our annual picnic on July 12.