Tool
The single most confusing part of buying hearing aids: figuring out what your insurance actually covers. Pick your plan type and we'll give you the plain-English breakdown plus links to verify your specific plan.
Every FDA-cleared OTC hearing aid qualifies for HSA/FSA spending per IRS Publication 502. Whatever your coverage, these are the lowest-risk, lowest-cost ways to start — pre-tax dollars apply.
Apple
FDA De Novo classification (DEN230081, product code SCR) — software is the cleared device, AirPods Pro 2 hardware is the supported platform. Requires latest iOS/iPadOS on iPhone or iPad.
Apple
Lucid Hearing
510(k)-exempt OTC hearing aid (product code QUF, 21 CFR 874.3300, Class I) — FDA device listing under Hearing Lab Technology, LLC; no K-number exists (QUF is 510(k)-exempt). Budget preset device: on-device volume + 2 listening profiles, no Bluetooth/streaming. HearAdvisor grade B — solid speech clarity for first-time buyers. Sold in ITC/ITE/BTE form factors.
Picks are based on FDA regulatory pathway, price, and severity fit from our verified product database — not on which brand pays the most.
Original Medicare
Does not cover. Never has, since 1965. Won't likely change soon.
Medicare Advantage
About half of plans cover. Allowance ranges $500-$3,000 every 1-3 years.
VA
Fully covers eligible veterans. $0 for hearing aids, batteries, repairs, lifetime supply.
HSA / FSA
Eligible. Per IRS Publication 502 — for both the device and supplies.