State laws › Minnesota
Minn. Stat. § 62Q.675 · statute read October 21, 2026
Minnesota hearing aid insurance law
Minnesota's law (Minn. Stat. § 62Q.675) requires the health insurance it names to cover hearing aids. Who it reaches: all individuals. It sets no dollar cap and lets a plan limit replacement to once every 36 months.
- 1Who All individuals
- 2Benefit No dollar cap in the statute
- 3Replacement Every 36 months
What the statute says
| Citation | Minn. Stat. § 62Q.675 (Minnesota Statutes, revisor.mn.gov) |
|---|---|
| Who | All individuals |
| Duty | The policies named must cover hearing aids |
| Dollar figure | None in the text read |
| Replacement | Once every 36 months |
In the statute's words: “A health plan must cover hearing aids for all individuals”
- Applies to hearing loss not correctable by other covered procedures.
- No special deductible, coinsurance or co-payment that does not apply to other coverage under the plan.
The figure against recorded prices
Minnesota's law (Minn. Stat. § 62Q.675) requires the health insurance it names to cover hearing aids. Who it reaches: all individuals. It sets no dollar cap and lets a plan limit replacement to once every 36 months. The statute text was read on October 21, 2026 from Minnesota Statutes, revisor.mn.gov.
With no dollar cap in the statute, the benefit is whatever the plan pays for the aid it covers, so the price of the device decides how much is at stake. On this site, fitted or seller-programmed pairs start at $1,299.98 (Liberty Clear Lucid) with a median starting price of $2,798 and a highest printed price of $4,898; OTC pairs start at $98 with a median of $489. Over ten years, one aid per ear every 36 months allows 3 purchase cycles; at the median fitted price that is $8,394 of devices, before the plan's own cost sharing.
11 of the 25 states on this site set no dollar cap in the statute text read: Connecticut, Minnesota, Missouri, Montana, New Jersey, Oklahoma, Oregon, Texas, Vermont, Washington and Wisconsin. Of those with a replacement limit, 6 others use the same 36-month period (Montana, Oregon, Texas, Vermont, Washington and Wisconsin).
Minnesota 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), Maine (no age limit, $3,000 per hearing aid, per ear), 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).
Recorded pairs this law could apply to
| Model | Pair price | Per aid | Seller |
|---|---|---|---|
| Audien Atom One | $98 | $49 | Audien |
| Liberty Clear Lucid | $1,299.98 | $649.99 | Sam's Club |
| Philips HearLink 9050 | $1,599.99 | $800 | Costco |
| Phonak Naída Lumity | $2,798 | $1,399 | ZipHearing |
| Starkey Signature Series | $3,198 | $1,599 | ZipHearing |
Lowest listed pair price for each model. Whether a plan pays for a given device is set by the plan's documents.
Minnesota questions
Does Minnesota require health insurance to cover hearing aids?
Minnesota's law (Minn. Stat. § 62Q.675) requires the health insurance it names to cover hearing aids. Who it reaches: all individuals. It sets no dollar cap and lets a plan limit replacement to once every 36 months. Source: Minn. Stat. § 62Q.675, read October 21, 2026.
How often can hearing aids be replaced under the Minnesota 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 Minnesota?
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 Minnesota's insurance regulator can confirm.