State laws › Maine
24-A M.R.S. § 2762 · statute read October 21, 2026
Maine hearing aid insurance law
Maine's law (24-A M.R.S. § 2762) requires the health insurance it names to cover hearing aids. Who it reaches: no age limit. The figure it names is $3,000 per hearing aid, per ear every 36 months.
- 1Who No age limit
- 2Benefit $3,000 per hearing aid, per ear
- 3Replacement Every 36 months
What the statute says
| Citation | 24-A M.R.S. § 2762 (Maine Revised Statutes, legislature.maine.gov) |
|---|---|
| Who | No age limit |
| Duty | The policies named must cover hearing aids |
| Dollar figure | $3,000 per hearing aid, per ear |
| Replacement | Once every 36 months |
In the statute's words: “$3,000 per hearing aid for each hearing-impaired ear every 36 months”
- The benefit applies to each hearing-impaired ear of an individual covered under the policy.
- Hearing loss must be documented by a physician or a licensed audiologist.
- This section covers individual policies; maximum benefits, coinsurance and deductibles may apply if they do not conflict with it.
The figure against recorded prices
Maine's law (24-A M.R.S. § 2762) requires the health insurance it names to cover hearing aids. Who it reaches: no age limit. The figure it names is $3,000 per hearing aid, per ear every 36 months. The statute text was read on October 21, 2026 from Maine Revised Statutes, legislature.maine.gov.
Because the figure is per hearing aid, per ear, a pair for two ears can draw it twice: up to $6,000. Of the 70 models priced on this site, 70 start at or below that amount, 39 of them fitted or seller-programmed models. At the median fitted starting price of $2,798, the figure would reach 100% of the pair and leave $0 above it. Against the cheapest OTC pair (Audien Atom One, $98) it would reach 100%; against the cheapest Costco package (Philips HearLink 9050, $1,599.99) it would reach 100%; against the cheapest fitted pair (Liberty Clear Lucid, $1,299.98) it would reach 100%. This is arithmetic on the statute's figure only; the policy's deductible, coinsurance and network rules decide what is actually paid.
Spread over the 36-month period, $6,000 for a pair is $2,000 a year. Over ten years the period allows 3 purchase cycles, so the most the figure could add up to across a decade is $18,000 per person.
Among the 14 states on this site whose statute names a dollar figure, Maine's $6,000 for a pair ranks 2nd of 14 from the top. The highest is Georgia at $6,000 and the lowest Tennessee at $2,000, every 4 years and 3 years respectively.
Maine is one of 9 states here whose law reaches people of any age. The others: Arkansas (no age limit, $1,400 per ear), Connecticut (no age limit, no dollar cap), Minnesota (all individuals, no dollar cap), New Hampshire (no age limit stated, $1,500 per hearing aid), New Jersey (no age limit in this section, no dollar cap), Rhode Island (no age limit in the current text, $1,750 per hearing aid, per ear), Vermont (any covered individual, no dollar cap) and Washington (all ages; under 18 after medical clearance, no dollar cap).
Five recorded pairs, measured against $6,000
| Model | Pair price | Figure could reach | Above the figure |
|---|---|---|---|
| Audien Atom One | $98 | $98 (100%) | $0 |
| Liberty Clear Lucid | $1,299.98 | $1,299.98 (100%) | $0 |
| Philips HearLink 9050 | $1,599.99 | $1,599.99 (100%) | $0 |
| Phonak Naída Lumity | $2,798 | $2,798 (100%) | $0 |
| Starkey Signature Series | $3,198 | $3,198 (100%) | $0 |
Lowest listed pair price for each model, from the seller and date on its page. The policy's own deductible, coinsurance and network rules are not included.
Maine questions
Does Maine require health insurance to cover hearing aids?
Maine's law (24-A M.R.S. § 2762) requires the health insurance it names to cover hearing aids. Who it reaches: no age limit. The figure it names is $3,000 per hearing aid, per ear every 36 months. Source: 24-A M.R.S. § 2762, read October 21, 2026.
How often can hearing aids be replaced under the Maine law?
The text read allows a limit of once every 36 months (3 years) for the benefit it describes.
Does Medicare cover hearing aids in Maine?
State insurance laws do not change Original Medicare, which is federal. Medicare.gov says: “Medicare doesn't cover hearing aids or exams for fitting hearing aids.”
Medicare and other coverage
State insurance laws apply to the policies they name. Original Medicare is federal, and Medicare.gov states: “Medicare doesn't cover hearing aids or exams for fitting hearing aids.” Some Medicare Advantage plans add a hearing benefit; the plan sets the amount. Medicaid hearing aid coverage for adults was not collected for this page. See Does Medicare cover hearing aids? and the price by channel pages for what each seller's price includes.
Related
This page summarizes statute text read on October 21, 2026 and does arithmetic with seller-printed prices. It is not legal or medical advice: whether a policy covers a device depends on the policy, the plan type and federal rules, which the plan and Maine's insurance regulator can confirm.