What hearing aids cost — and how to pay less

Typical price ranges

Prescription hearing aids usually run about $1,000 to $4,000 per ear, depending on the technology level and what's bundled in. Over-the-counter models for mild to moderate loss typically cost $200 to $1,500 per pair.

Higher prices usually buy better performance in noise, more automatic adjustment, and more included care — not just a fancier name.

What the price should include

With prescription devices, ask whether the price is 'bundled' (fitting, follow-up visits, cleanings and warranty included) or 'unbundled' (services billed separately). Unbundled can be cheaper if you don't need much follow-up care.

Insurance, Medicare and tax-advantaged accounts

Original Medicare does not cover hearing aids, but many Medicare Advantage plans offer an allowance or discounted pricing. Some employer plans and union benefits include hearing coverage — always call and ask.

Hearing aids are an eligible expense for FSA and HSA accounts, so you can pay with pre-tax dollars. Veterans may qualify for free devices through the VA.

Legitimate ways to save

Consider a mid-tier technology level if your lifestyle is quieter, ask about last-generation models when a new one launches, and compare online retailers that partner with local clinics for fittings.

Be cautious of deals that seem too good: very cheap 'hearing amplifiers' (PSAPs) are not hearing aids and aren't regulated as medical devices.