State laws › Missouri
Mo. Rev. Stat. § 376.1228 · statute read October 21, 2026
Missouri hearing aid insurance law
Missouri's law (Mo. Rev. Stat. § 376.1228) requires the health insurance it names to cover hearing aids. Who it reaches: under 18. It sets no dollar cap.
- 1Who Under 18
- 2Benefit No dollar cap in the statute
- 3Replacement No interval in the section
What the statute says
| Citation | Mo. Rev. Stat. § 376.1228 (Missouri Revised Statutes, revisor.mo.gov) |
|---|---|
| Who | Under 18 |
| Duty | The policies named must cover hearing aids |
| Dollar figure | None in the text read |
| Replacement | No interval in the section |
| Applies | Plans delivered, issued, continued or renewed on or after January 1, 2022 |
In the statute's words: “provide coverage to children under eighteen years of age”
- The minimum is the set of hearing aids MO HealthNet (Missouri Medicaid) covers for children; the section sets no dollar amount or replacement interval.
- Medicare supplement and long-term care policies are excluded.
The figure against recorded prices
Missouri's law (Mo. Rev. Stat. § 376.1228) requires the health insurance it names to cover hearing aids. Who it reaches: under 18. It sets no dollar cap. Effective date or scope in the text: Plans delivered, issued, continued or renewed on or after January 1, 2022. The statute text was read on October 21, 2026 from Missouri Revised Statutes, revisor.mo.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. The section sets no replacement interval either.
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.
Missouri is one of 10 states here whose law reaches children. The others: Georgia (18 or under, $3,000 per hearing aid), Louisiana (under 18, $1,400 per hearing aid, per ear), Maryland (minor children, $1,400 per hearing aid, per ear), Montana (18 or younger, no dollar cap), Nebraska (insured children under 19, $3,000 in total benefits over 48 months), Oklahoma (up to 18, no dollar cap), Tennessee (under 18, $1,000 per hearing aid, per ear), Texas (18 or younger, no dollar cap) and Wisconsin (under 18, 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.
Missouri questions
Does Missouri require health insurance to cover hearing aids?
Missouri's law (Mo. Rev. Stat. § 376.1228) requires the health insurance it names to cover hearing aids. Who it reaches: under 18. It sets no dollar cap. Source: Mo. Rev. Stat. § 376.1228, read October 21, 2026.
How often can hearing aids be replaced under the Missouri law?
The section read sets no replacement interval.
Does Medicare cover hearing aids in Missouri?
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 Missouri's insurance regulator can confirm.