State laws › Ohio
Ohio Rev. Code § 3902.64 · statute read October 21, 2026
Ohio hearing aid insurance law
Ohio's law (Ohio Rev. Code § 3902.64) requires the health insurance it names to cover hearing aids. Who it reaches: 21 or younger. The figure it names is $2,500 per hearing aid every 48 months.
- 1Who 21 or younger
- 2Benefit $2,500 per hearing aid
- 3Replacement Every 48 months
What the statute says
| Citation | Ohio Rev. Code § 3902.64 (Ohio Revised Code, codes.ohio.gov) |
|---|---|
| Who | 21 or younger |
| Duty | The policies named must cover hearing aids |
| Dollar figure | $2,500 per hearing aid |
| Replacement | Once every 48 months |
| Applies | April 3, 2025 |
In the statute's words: “a covered person twenty-one years of age or younger”
- One hearing aid per hearing-impaired ear.
- A plan need not pay if the person received this coverage from any plan less than 48 months before.
- The covered person may choose a higher-priced aid and pay the difference.
The figure against recorded prices
Ohio's law (Ohio Rev. Code § 3902.64) requires the health insurance it names to cover hearing aids. Who it reaches: 21 or younger. The figure it names is $2,500 per hearing aid every 48 months. Effective date or scope in the text: April 3, 2025. The statute text was read on October 21, 2026 from Ohio Revised Code, codes.ohio.gov.
Because the figure is per hearing aid, a pair for two ears can draw it twice: up to $5,000. 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 48-month period, $5,000 for a pair is $1,250 a year. Over ten years the period allows 2 purchase cycles, so the most the figure could add up to across a decade is $10,000 per person.
Among the 14 states on this site whose statute names a dollar figure, Ohio's $5,000 for a pair ranks 4th 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.
Ohio is one of 6 states here whose law reaches children and young adults. The others: Delaware (children less than 24 covered as a dependent, $1,000 per hearing aid, per ear), Massachusetts (21 or younger, $2,000 per hearing aid), New Mexico (under 18, or under 21 if still in high school, $2,200 per hearing aid), North Carolina (under 22, $2,500 per hearing aid) and Oregon (18 or younger, or 19 to 25 in school, no dollar cap).
Five recorded pairs, measured against $5,000
| 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.
Ohio questions
Does Ohio require health insurance to cover hearing aids?
Ohio's law (Ohio Rev. Code § 3902.64) requires the health insurance it names to cover hearing aids. Who it reaches: 21 or younger. The figure it names is $2,500 per hearing aid every 48 months. Source: Ohio Rev. Code § 3902.64, read October 21, 2026.
How often can hearing aids be replaced under the Ohio law?
The text read allows a limit of once every 48 months (4 years) for the benefit it describes.
Does Medicare cover hearing aids in Ohio?
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 Ohio's insurance regulator can confirm.