State laws › Montana
Mont. Code Ann. § 33-22-128 · statute read October 21, 2026
Montana hearing aid insurance law
Montana's law (Mont. Code Ann. § 33-22-128) requires the health insurance it names to cover hearing aids. Who it reaches: 18 or younger. It sets no dollar cap and lets a plan limit replacement to once every 36 months.
- 1Who 18 or younger
- 2Benefit No dollar cap in the statute
- 3Replacement Every 36 months
What the statute says
| Citation | Mont. Code Ann. § 33-22-128 (Montana Code Annotated, mca.legmt.gov) |
|---|---|
| Who | 18 or younger |
| 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: “covered child 18 years of age or younger”
- No more than one hearing device per ear every 3 years, or as a licensed audiologist requires.
- No special deductibles, coinsurance or copayments beyond those for other medical care.
The figure against recorded prices
Montana's law (Mont. Code Ann. § 33-22-128) requires the health insurance it names to cover hearing aids. Who it reaches: 18 or younger. 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 Montana Code Annotated, mca.legmt.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 (Minnesota, Oregon, Texas, Vermont, Washington and Wisconsin).
Montana 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), Missouri (under 18, 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.
Montana questions
Does Montana require health insurance to cover hearing aids?
Montana's law (Mont. Code Ann. § 33-22-128) requires the health insurance it names to cover hearing aids. Who it reaches: 18 or younger. It sets no dollar cap and lets a plan limit replacement to once every 36 months. Source: Mont. Code Ann. § 33-22-128, read October 21, 2026.
How often can hearing aids be replaced under the Montana 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 Montana?
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 Montana's insurance regulator can confirm.