State laws › New Jersey
N.J. Stat. § 17B:27-46.1gg · statute read October 21, 2026
New Jersey hearing aid insurance law
New Jersey's law (N.J. Stat. § 17B:27-46.1gg) requires the health insurance it names to cover hearing aids. Who it reaches: no age limit in this section. It sets no dollar cap and lets a plan limit replacement to once every 24 months.
- 1Who No age limit in this section
- 2Benefit No dollar cap in the statute
- 3Replacement Every 24 months
What the statute says
| Citation | N.J. Stat. § 17B:27-46.1gg (statute text as published by Justia (2025 New Jersey Revised Statutes)) |
|---|---|
| Who | No age limit in this section |
| Duty | The policies named must cover hearing aids |
| Dollar figure | None in the text read |
| Replacement | Once every 24 months |
In the statute's words: “one hearing aid for each hearing-impaired ear every 24 months”
- This section covers group health policies; the aid must be medically necessary and prescribed or recommended by a licensed physician or audiologist.
The figure against recorded prices
New Jersey's law (N.J. Stat. § 17B:27-46.1gg) requires the health insurance it names to cover hearing aids. Who it reaches: no age limit in this section. It sets no dollar cap and lets a plan limit replacement to once every 24 months. The statute text was read on October 21, 2026 from statute text as published by Justia (2025 New Jersey Revised Statutes).
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 24 months allows 5 purchase cycles; at the median fitted price that is $13,990 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, 1 others use the same 24-month period (Connecticut).
New Jersey 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), Minnesota (all individuals, no dollar cap), New Hampshire (no age limit stated, $1,500 per hearing aid), 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.
New Jersey questions
Does New Jersey require health insurance to cover hearing aids?
New Jersey's law (N.J. Stat. § 17B:27-46.1gg) requires the health insurance it names to cover hearing aids. Who it reaches: no age limit in this section. It sets no dollar cap and lets a plan limit replacement to once every 24 months. Source: N.J. Stat. § 17B:27-46.1gg, read October 21, 2026.
How often can hearing aids be replaced under the New Jersey law?
The text read allows a limit of once every 24 months (2 years) for the benefit it describes.
Does Medicare cover hearing aids in New Jersey?
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 New Jersey's insurance regulator can confirm.