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25 states · statute text read October 21, 2026
Hearing aid insurance laws by state
Which states require private health insurance to cover or offer hearing aids, for whom, up to what amount and how often, each read from the statute itself and set against the prices on this site.
- 1Any age 9 states
- 2Highest pair figure $6,000 (Georgia)
- 3No dollar cap 11 states
| State | Who | Figure | Every | Statute |
|---|---|---|---|---|
| Arkansas | No age limit | $1,400 per ear | 36 mo | Ark. Code Ann. § 23-79-1402 |
| Connecticut | No age limit | No cap | 24 mo | Conn. Gen. Stat. § 38a-490b |
| Delaware | Children less than 24 covered as a dependent | $1,000 per hearing aid, per ear | 36 mo | Del. Code tit. 18, § 3357 |
| Georgia | 18 or under | $3,000 per hearing aid | 48 mo | O.C.G.A. § 33-24-59.21 |
| Louisiana | Under 18 | $1,400 per hearing aid, per ear | 36 mo | La. R.S. 22:1038 |
| Maine | No age limit | $3,000 per hearing aid, per ear | 36 mo | 24-A M.R.S. § 2762 |
| Maryland | Minor children | $1,400 per hearing aid, per ear | 36 mo | Md. Code, Ins. § 15-838 |
| Massachusetts | 21 or younger | $2,000 per hearing aid | 36 mo | Mass. Gen. Laws ch. 175, § 47X |
| Minnesota | All individuals | No cap | 36 mo | Minn. Stat. § 62Q.675 |
| Missouri | Under 18 | No cap | not set | Mo. Rev. Stat. § 376.1228 |
| Montana | 18 or younger | No cap | 36 mo | Mont. Code Ann. § 33-22-128 |
| Nebraska | Insured children under 19 | $3,000 in total benefits over 48 months | 48 mo | Neb. Rev. Stat. § 44-5004 |
| New Hampshire | No age limit stated | $1,500 per hearing aid | 60 mo | N.H. Rev. Stat. § 415:6-p |
| New Jersey | No age limit in this section | No cap | 24 mo | N.J. Stat. § 17B:27-46.1gg |
| New Mexico | Under 18, or under 21 if still in high school | $2,200 per hearing aid | 36 mo | N.M. Stat. § 59A-22-34.5 |
| North Carolina | Under 22 | $2,500 per hearing aid | 36 mo | N.C. Gen. Stat. § 58-3-285 |
| Ohio | 21 or younger | $2,500 per hearing aid | 48 mo | Ohio Rev. Code § 3902.64 |
| Oklahoma | Up to 18 | No cap | 48 mo | Okla. Stat. tit. 36, § 6060.7 |
| Oregon | 18 or younger, or 19 to 25 in school | No cap | 36 mo | Or. Rev. Stat. § 743A.141 |
| Rhode Island | No age limit in the current text | $1,750 per hearing aid, per ear | not set | R.I. Gen. Laws § 27-18-60 |
| Tennessee | Under 18 | $1,000 per hearing aid, per ear | 36 mo | Tenn. Code Ann. § 56-7-2368 |
| Texas | 18 or younger | No cap | 36 mo | Tex. Ins. Code § 1367.253 |
| Vermont | Any covered individual | No cap | 36 mo | Vt. Stat. tit. 8, § 4088l |
| Washington | All ages; under 18 after medical clearance | No cap | 36 mo | Rev. Code Wash. § 48.43.135 |
| Wisconsin | Under 18 | No cap | 36 mo | Wis. Stat. § 632.895(16) |
What the laws have in common
9 of the 25 laws reach people of any age, 10 reach children only, and 6 extend into young adulthood (upper ages from 20 to 25, some only for students or dependents). 14 name a dollar figure and 11 set none; the most common replacement period is 36 months, used by 16 states. Arkansas is the one law here that requires plans to offer the coverage rather than include it.
How far a figure goes depends on the device. The median starting price of the 39 fitted or seller-programmed models on this site is $2,798 a pair; the highest figure here, Georgia's $6,000 for a pair, sits above that median, and the lowest, Tennessee's $2,000, would cover the cheapest Costco package ($1,599.99). Each state page does this arithmetic with five recorded pairs.
States not listed
- Kentucky. KRS 304.17A-132 could not be read: the legislature site and Justia returned errors.
- Illinois. 215 ILCS 5/356z.30 could not be read: ilga.gov refuses automated reading and Justia returned an error.
- Colorado. C.R.S. 10-16-104 was not read in this collection run.
- Idaho. The listed source is an administrative rule (IDAPA 18.04.13.081), not read in this run.
- Virginia. Va. Code § 38.2-3418.20 is marked "[Not in effect]" with a contingent effective date under Acts 2026, c. 1048.
- Arizona. Not in the American Academy of Audiology table and not checked.
The American Academy of Audiology's 2026 table shows no private-insurance hearing aid mandate in Alabama, Alaska, California, Florida, Hawaii, Indiana, Iowa, Kansas, Michigan, Mississippi, Nevada, New York, North Dakota, Pennsylvania, South Carolina, South Dakota, Utah, West Virginia, Wyoming. That table and ASHA's list were used only to find citations; several of their entries were older than the statute text, so every figure on these pages comes from the statute. Medicaid adult hearing aid coverage was not collected in this run: no single official state-by-state file was found, and reading 50 state Medicaid pages was beyond this run.
Sources: ASHA, State Insurance Mandates for Hearing Aids; American Academy of Audiology, State Hearing Aid Coverage Mandates for Private Insurance (2026); each state's statute is linked on its page. See also the Medicare guide and the methodology.
Summaries of statute text, not legal advice. Medicare and Medicaid follow other rules; the plan's documents and the state insurance regulator are the authority on a given policy.