
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.

















